Credit Review Manager

2 weeks ago

Dhaka, Dhaka, Bangladesh PALMPAY LIMITED Full time ৳1,200,000 - ৳2,400,000 per year
About PalmPay

PalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over 40 million users, we're building a digital financial ecosystem that empowers individuals and businesses through accessible, easy-to-use, and rewarding financial services.

Operating in Nigeria, Ghana, Tanzania, Pakistan, and Bangladesh, PalmPay has been recognised by CNBC as one of the Top 300 Global Fintech Companies and ranked #2 overall and #1 in financial services on the Financial Times' Africa's Fastest Growing Companies 2025 list.

Position Overview

We are seeking an experienced and results-driven Credit Review Manager to oversee credit assessment and risk management for our mobile installment loan business in Bangladesh. This role requires leading a credit review team, establishing robust processes, and implementing effective risk strategies to control delinquency and bad debt, while enabling business growth. A deep understanding of Bangladesh's credit environment, regulations, and customer behavior is essential.

Key Responsibilities

1. Credit Strategy and Process Management

  • Develop, optimize, and implement credit policies, scoring models, and approval workflows for the Bangladesh mobile installment loan market.

  • Conduct regular credit data analysis to evaluate strategy effectiveness and propose optimization recommendations.

  • Establish and refine anti-fraud rules and procedures to detect and mitigate fraudulent risks.

2. Team Leadership and Operations

  • Lead, train, and manage the credit review team to ensure efficient and accurate processing of loan applications.

  • Set and monitor team performance targets (approval timeliness, approval quality, etc.).

  • Supervise sub-teams to execute tasks in line with company management requirements.

3. Risk Monitoring and Analysis

  • Monitor key risk indicators such as first-payment delinquency rates and bad debt ratios, preparing regular reports.

  • Analyze delinquent customer behavior to support early warning systems and collection strategies.

  • Collaborate with the data team to leverage analytics for deeper insights into risk trends.

4. Cross-Departmental Collaboration

  • Partner with Sales, Marketing, and Technology teams to align credit review with business growth objectives.

  • Provide risk assessments for new product launches and marketing initiatives.

  • Support collection teams with risk evaluations and customer information.

Qualifications

Essential Requirements

  • Bachelor's degree or higher in Finance, Economics, Business Management, Statistics, or related fields.

  • Minimum 5 years of credit risk management experience in banking, financial institutions, consumer finance, or fintech, with at least 2 years in a leadership role.

  • Proven experience in credit underwriting in the Bangladesh market, with knowledge of personal credit reporting environments, regulations, and customer behavior.

  • Strong expertise in credit scoring cards, risk control models, and anti-fraud rules.

  • Proficiency in Excel, SQL, and data analysis tools.

  • Strong leadership, communication, and decision-making skills.

  • Fluency in Bangla and English.

Preferred Qualifications

  • Experience in risk management for mobile phone installments, consumer electronics loans, or small-ticket short-term loans.

  • Knowledge of Bangladesh's financial regulatory policies and data privacy laws.

  • Familiarity with credit management systems or fintech risk platforms.

Compensation & Benefits

  • Competitive salary package

  • Festival bonuses and mobile/internet allowance.

  • Professional development opportunities and leadership exposure.

  • Opportunity to build and scale the credit review function of a multinational fintech in Bangladesh.

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