JOB DESCRIPTION
CREDIT UNDERWRITING & ORIGINATIONS SPECIALIST We are seeking a seasoned Credit SME to serve as the subject matter expert across the full US credit card lifecycle, from application and account opening through portfolio management, delinquency, collections, and charge-off. This individual will play a critical role in supporting operational excellence, regulatory compliance, process optimization, and client delivery across our credit card programs. The idóneo candidate will bring extensive experience from a bank, card issuer, issuer processor, or fintech lender and possess deep expertise in US consumer credit, credit risk, originations, underwriting, and credit card operations.

Key Responsibilities
- Serve as the primary SME for US credit card operations and the end-to-end credit lifecycle.
- Provide expert guidance on application intake, identity verification, underwriting support, credit decisioning, account setup, portfolio management, collections, and charge-off processes.
- Partner with Operations, Product, Risk, Implementation, and Client teams to drive operational effectiveness and best practices.
- Develop and maintain standard operating procedures, training materials, and operational frameworks.
- Lead initiatives to upskill teams on US credit card operations, originations, and regulatory requirements.
- Analyze operational and portfolio metrics, identifying opportunities for process improvement and enhanced performance.
- Monitor key indicators including approval rates, abandonment rates, delinquency, roll rates, charge-offs, and portfolio health metrics.
- Ensure operational processes remain aligned with regulatory and compliance requirements.




- Act as a trusted advisor for internal stakeholders and clients on all matters related to US credit card operations and lending practices.
- Required Experience
- Significant experience within the US credit card, consumer lending, banking, fintech, or issuer-processing industries. Deep knowledge of:
- Credit card originations and account opening
- Application intake and underwriting support
- Identity verification and fraud controls
- Credit policy and decisioning
- Credit line assignment and management
- Billing and statement cycles
- Delinquency management, collections, recoveries, and charge-offs
- Strong understanding of credit bureau data and scoring methodologies, including Experian, Equifax, and TransUnion.
- Knowledge of credit risk management and consumer lending principles.
- Familiarity with KYC, KYB, CIP, and AML requirements.
- Strong understanding of applicable US regulations, including ECOA (Regulation B), TILA (Regulation Z), FCRA, and adverse action requirements.
- Experience collaborating across Operations, Risk, Product, and Implementation teams.
- Proven ability to develop operational learning strategies, training programs, and process documentation.
- Exceptional communication, stakeholder management, and problem-solving skills.
- Preferred Qualifications
- Experience supporting Visa, Mastercard, American Express, and/or Discover credit card programs.
- Exposure to fraud prevention and identity verification technologies.
- Experience with LoanPro, Taktile, Bloom, or similar lending and decisioning platforms.
- Professional certifications such as CRCM, CAMS, CRC, CFE, CCE, CTP, or related industry credentials.

📌 Credit Underwriting (Campo de La Cruz)
🏢 Sutherland
📍 Campo de La Cruz