Underwriting Manager

Who we are?

- onebank was established in 2020 as the company responsible for launching the 1st digital native bank in Egypt. The digital bank aims to create innovative solutions tailored to serve the needs of the banking customers in Egypt.

-Our main goal is to create a positive customer experience through the differentiated journey that our customers live while using the digital bank.

-Our Drive: We use our drive and commitment to energies, engage and inspire others, upholding the highest standards of work ethic, honesty and morality.

JOB PURPOSE

The Underwriting Manager oversees the credit underwriting process for retail lending portfolios. This role ensures that credit decisions align with the bank’s risk appetite, regulatory requirements, and profitability objectives.

JOB DUTIES AND RESPONSIBILITIES:

1. Review and approve credit applications within delegated authority.
2. Ensure accurate risk grading and compliance with internal credit policies
3. Set performance goals and monitor team KPIs.
4. Implement and maintain underwriting standards in line with regulatory guidelines, Monitor adherence to credit risk frameworks and audit requirements.
5. Work closely with Risk, commercial and Operations to ensure smooth credit approval processes, Support product development with risk insights.
6. Manage and develop a team of credit underwriters.

MINIMUM QUALIFICATIONS/EDUCATION/EXPERIENCE

• Bachelor’s degree in commerce, business administration, economics, banking.
• 5–10 years in credit underwriting, with at least 2 years in a managerial role
• Strong knowledge of credit risk principles, financial analysis, lending products and regulatory frameworks
• Excellent leadership and communication skills.