US Credit Originations SME

Sutherland

1d

About The Position

The US Credit Originations SME is a seasoned professional responsible for the operational management and optimisation of credit card originations processes. The role requires extensive knowledge of the US credit originations and account-opening lifecycle, including application intake, underwriting support, and decisioning, to support daily operations and promote compliant, efficient onboarding of new accounts.

Requirements

• Extensive knowledge of the US credit originations and account-opening ecosystem, gained through experience at a bank, issuer processor, or fintech lender.
• Deep understanding of the end-to-end originations lifecycle, including application intake, identity verification, credit decisioning, underwriting support, funding, and account setup.
• Strong knowledge of credit bureau data and scoring, including Experian, Equifax, and TransUnion; decisioning engines; and risk-based pricing.
• Working knowledge of KYC, KYB, CIP, and AML requirements as they apply to account opening.
• Familiarity with regulations governing originations, including Regulation B (ECOA), Regulation Z (TILA), FCRA, and adverse action requirements.
• Ability to act as the operations team's central point of contact for US credit originations and share relevant industry insight.
• Skill in building strong cross-departmental relationships and fostering teamwork and alignment.
• Experience owning an operational learning strategy and upskilling internal teams.
• Comfort working in a fast-paced environment where client service and understanding are critical.
• Exceptional oral and written English communication skills, with the ability to adapt style and language for diverse audiences.
• Strong attention to detail and a methodical approach.
• Effective time management, a strong sense of urgency, and the ability to prioritise workloads.
• Ability to work effectively independently and as part of a team.

Nice To Haves

• Familiarity with Mastercard, Visa, Amex, and Discover originations requirements and platform functionality.
• Exposure to fraud and identity verification tools used at the point of application.
• Experience with LoanPro, Taktile, and Bloom.

Responsibilities

• Lead the operational management and optimisation of credit card originations processes.
• Support daily operations involving application intake, underwriting support, and decisioning.
• Serve as the central point of contact for the operations team on US credit originations, responding to queries and sharing industry insight.
• Build relationships across Implementations, Operations, Product, and Risk to support teamwork and alignment on goals.
• Own an operational learning strategy for US credit originations, upskilling internal teams and sharing knowledge and best practices.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed