At Wio, we're building a different kind of bank digital-first, data-led, and responsibly bold.
We're looking for a
Retail Credit Underwriter who knows how to balance growth with discipline. Someone who understands that underwriting isn't just about saying yes or no it's about making confident, well-documented decisions that protect customers and power sustainable lending.
If you thrive in structured environments, think analytically, and care about policy integrity this role is for you.
What You'll Do
- Underwrite retail lending applications across Credit Cards, Personal Loans, and Auto Loans in line with Wio's credit policy and UAE regulatory standards.
- Apply strong judgment using AECB data, income verification, affordability assessments, and internal risk parameters.
- Document every decision clearly and consistently audit-ready, structured, and policy-aligned.
- Operate within digital underwriting platforms and decision engines in a secure, controlled-access environment.
- Manage exceptions responsibly, escalating where required within governance frameworks.
- Partner closely with Sales, Operations, and Collections to deliver fast, seamless customer journeys without compromising risk standards.
- Identify early risk trends and share insights that help refine credit strategy and portfolio quality.
- Contribute to continuous improvement of underwriting workflows and decision consistency.
What You Bring- 5+ years of hands-on retail underwriting experience within a UAE bank.
- Direct exposure to:
- Credit Cards
- Personal Loans
- Auto Loans
- Strong understanding of the UAE retail lending ecosystem, including:
- AECB bureau analysis
- Central Bank retail lending regulations
- Affordability assessment frameworks
- Lending / LOS systems
- A governance-first mindset disciplined documentation, policy interpretation, and exception handling.
- Comfort working in digital systems and structured workflows.
- Bachelor's degree in Finance, Accounting, or Business (Master's preferred).
Nice to Have
- Strong Excel skills (Pivot Tables, XLOOKUP/VLOOKUP, SUMIFS/COUNTIFS, basic dashboards).
- Experience in a digital bank or fintech lending environment preferrably.
- Exposure to decision engine logic or automation enhancements.
Why Wio
Because we're building responsibly.
Because we move fast but we don't cut corners.
Because credit decisions matter.
If you're ready to underwrite with confidence, discipline, and impact we'd love to hear from you.
