Credit Underwriter

At Wio, we’re building a different kind of bank — digital-first, data-led, and responsibly bold.

We’re looking for a Retail Credit Underwriter who knows how to balance growth with discipline. Someone who understands that underwriting isn’t just about saying yes or no — it’s about making confident, well-documented decisions that protect customers and power sustainable lending.

If you thrive in structured environments, think analytically, and care about policy integrity — this role is for you.

• Underwrite retail lending applications across Credit Cards, Personal Loans, and Auto Loans in line with Wio’s credit policy and UAE regulatory standards.
• Apply strong judgment using AECB data, income verification, affordability assessments, and internal risk parameters.
• Document every decision clearly and consistently — audit‑ready, structured, and policy‑aligned.
• Operate within digital underwriting platforms and decision engines in a secure, controlled‑access environment.
• Manage exceptions responsibly, escalating where required within governance frameworks.
• Partner closely with Sales, Operations, and Collections to deliver fast, seamless customer journeys — without compromising risk standards.
• Identify early risk trends and share insights that help refine credit strategy and portfolio quality.
• Contribute to continuous improvement of underwriting workflows and decision consistency.

• 5+ years of hands‑on retail underwriting experience within a UAE bank.
• Direct exposure to:
  • Credit Cards
  • Personal Loans
  • Auto Loans
• Strong understanding of the UAE retail lending ecosystem, including:
  • AECB bureau analysis
  • Central Bank retail lending regulations
  • Affordability assessment frameworks
  • Lending / LOS systems
• A governance‑first mindset — disciplined documentation, policy interpretation, and exception handling.
• Comfort working in digital systems and structured workflows.
• Bachelor’s degree in Finance, Accounting, or Business (Master’s preferred).

• Strong Excel skills (Pivot Tables, XLOOKUP/VLOOKUP, SUMIFS/COUNTIFS, basic dashboards).
• Experience in a digital bank or fintech lending environment preferrably.
• Exposure to decision engine logic or automation enhancements.

Because we’re building responsibly.

Because we move fast — but we don’t cut corners.

Because credit decisions matter.

If you’re ready to underwrite with confidence, discipline, and impact — we’d love to hear from you.