US Credit Originations SME

We're looking for a seasoned professional with extensive knowledge of the US credit originations and account-opening lifecycle to lead the operational management and optimisation of our credit card originations processes. The Credit Originations SME will bring deep understanding of application intake, underwriting support, and decisioning to support daily operations and drive compliant, efficient onboarding of new accounts.

Extensive knowledge of the US credit originations and account-opening ecosystem, gained from previous experience at a bank, issuer processor, or fintech lender

Deep understanding of the end-to-end originations lifecycle: application intake, identity verification, credit decisioning, underwriting support, funding, and account set-up

Strong knowledge of credit bureau data and scoring (Experian, Equifax, TransUnion), decisioning engines, and risk-based pricing

Working knowledge of KYC / KYB / CIP and AML requirements as they apply to account opening

Familiarity with the regulatory framework governing originations, including Regulation B (ECOA), Regulation Z (TILA), FCRA, and adverse action requirements

Proven ability to act as the central point of contact for the operations team on all things US credit originations, responding to queries and sharing insight from industry experience

Skilled at building strong relationships across departments (e.g. Implementations, Operations, Product, Risk) to foster teamwork and alignment on goals

Experience owning an operational learning strategy for US credit originations, upskilling internal teams and sharing knowledge and best practice

Comfortable working in a fast-paced environment where client service and understanding are critical to success

Exceptional oral and written communication skills in English, with the ability to adapt style and language for diverse audiences

Strong attention to detail and a methodical approach

Effective time management, with a strong sense of urgency and the ability to prioritise workloads

Able to work effectively both independently and as part of a team

Desirable

Familiarity with Mastercard, Visa, Amex, and Discover originations requirements and platform functionality

Exposure to fraud and identity verification tools used at point of application

LoanPro, Taktile and Bloom experience

We are committed to fostering a diverse, equitable, and inclusive workplace where all employees and prospective staff are treated with respect and provided equal employment opportunities, regardless of race, color, religion, sex, national origin, age, marital status, disability, veteran status, or any other characteristic protected by applicable law.
At times, government agencies require periodic reports from employers on the sex, ethnicity, handicap, veteran and other protected status of employees. The purpose of this Administrative EEO Record is for statistical analysis only and is used to comply with government record keeping, reporting, and other legal requirements. Periodic reports are made to the government on the following information. The completion of the Administrative EEO record is optional. If you choose to volunteer the requested information, please note that all Administrative EEO Records are kept in a Confidential File and are not part of your Application for Employment or Personnel file. Please note: YOUR COOPERATION IS VOLUNTARY. INCLUSION OR EXCLUSION OF ANY DATA WILL NOT AFFECT ANY EMPLOYMENT DECISION.
About Sutherland

Artificial Intelligence. Automation. Cloud engineering. Advanced analytics. For business leaders, these are key factors of success. For us, they’re our core expertise.
We work with iconic brands worldwide. We bring them a unique value proposition through market-leading technology and business process excellence.
We’ve created over 200 unique inventions under several patents across AI and other critical technologies. Leveraging our advanced products and platforms, we drive digital transformation, optimize critical business operations, reinvent experiences, and pioneer new solutions, all provided through a seamless “as a service” model.
For each company, we provide new keys for their businesses, the people they work with, and the customers they serve. We tailor proven and rapid formulas, to fit their unique DNA. We bring together human expertise and artificial intelligence to develop digital chemistry. This unlocks new possibilities, transformative outcomes and enduring relationships.
Sutherland
Unlocking digital performance. Delivering measurable results.
Originally posted on Himalayas