Perform complex manual underwriting assessments for consumer lending.
Review affordability, income verification, bank analysis, and fraud indicators.
Support underwriting policy development, scorecards, and affordability rules with the CRO.
Translate underwriting logic into scalable automated decision engines.
Bridge manual underwriting with automated decisioning in a regulated environment.
Monitor underwriting quality and assist with risk controls.

🎯 Requirements

5+ years of underwriting in consumer finance, fintech, banks, or regulated lenders.
Strong understanding of unsecured consumer lending products.
Experience reviewing affordability and transactional banking data.
Exposure to automated decisioning systems and underwriting rule frameworks.
Familiarity with Spanish consumer lending regulation and responsible lending.
Experience supporting underwriting automation projects.

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