Credit Review Manager

PalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over 40 million users, we’re building a digital financial ecosystem that empowers individuals and businesses through accessible, easy-to-use, and rewarding financial services.

Operating in Nigeria, Ghana, Tanzania, Pakistan, and Bangladesh, PalmPay has been recognised by CNBC as one of the Top 300 Global Fintech Companies and ranked #2 overall and #1 in financial services on the Financial Times’ Africa’s Fastest Growing Companies 2025 list.

We are seeking an experienced and results-driven Credit Review Manager to oversee credit assessment and risk management for our mobile installment loan business in Bangladesh. This role requires leading a credit review team, establishing robust processes, and implementing effective risk strategies to control delinquency and bad debt, while enabling business growth. A deep understanding of Bangladesh’s credit environment, regulations, and customer behavior is essential.

1. Credit Strategy and Process Management

• Develop, optimize, and implement credit policies, scoring models, and approval workflows for the Bangladesh mobile installment loan market.

• Conduct regular credit data analysis to evaluate strategy effectiveness and propose optimization recommendations.

• Establish and refine anti-fraud rules and procedures to detect and mitigate fraudulent risks.

2. Team Leadership and Operations

• Lead, train, and manage the credit review team to ensure efficient and accurate processing of loan applications.

• Set and monitor team performance targets (approval timeliness, approval quality, etc.).

• Supervise sub-teams to execute tasks in line with company management requirements.

3. Risk Monitoring and Analysis

• Monitor key risk indicators such as first-payment delinquency rates and bad debt ratios, preparing regular reports.

• Analyze delinquent customer behavior to support early warning systems and collection strategies.

• Collaborate with the data team to leverage analytics for deeper insights into risk trends.

4. Cross-Departmental Collaboration

• Partner with Sales, Marketing, and Technology teams to align credit review with business growth objectives.

• Provide risk assessments for new product launches and marketing initiatives.

• Support collection teams with risk evaluations and customer information.

Essential Requirements

• Bachelor’s degree or higher in Finance, Economics, Business Management, Statistics, or related fields.

• Minimum 5 years of credit risk management experience in banking, financial institutions, consumer finance, or fintech, with at least 2 years in a leadership role.

• Proven experience in credit underwriting in the Bangladesh market, with knowledge of personal credit reporting environments, regulations, and customer behavior.

• Strong expertise in credit scoring cards, risk control models, and anti-fraud rules.

• Proficiency in Excel, SQL, and data analysis tools.

• Strong leadership, communication, and decision-making skills.

• Fluency in Bangla and English.

Preferred Qualifications

• Experience in risk management for mobile phone installments, consumer electronics loans, or small-ticket short-term loans.

• Knowledge of Bangladesh’s financial regulatory policies and data privacy laws.

• Familiarity with credit management systems or fintech risk platforms.

• Competitive salary package

• Festival bonuses and mobile/internet allowance.

• Professional development opportunities and leadership exposure.

• Opportunity to build and scale the credit review function of a multinational fintech in Bangladesh.