Credit Review Manager

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

• 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
• 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
• 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
• 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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