• Job Profile Credit Underwriter/ Referral Officer
• Year September,2012 - December,2016
• Company Acquire Asia Pacific- Flexigroup

Description

• Assessing borderline, high risk or non-automated finance and leasing applications within policy guidelines. • Make sound credit decisions quickly, whilst liaising with all departments across the business. • Has individual responsibilities ranging from Fraud Specialist, Mid Ticket Assessor, Nexus Specialist, CAS errors Specialist and CRO Customer relations officer. • Assessment of Verification Documents. • Managing Credit decision appeals. • Contact centre agent errors. • Consumer dealer accreditation. • Corporate applications. • Ensure that Flexirent's lending policies optimize the trade-off between risk, losses and asset growth to achieve profitable growth. • Continually monitor and refine Flexirent's credit policies with a focus on the credit scorecards. • Further develop and enhance all reporting including: • Loss forecasts by scorecard, product, funder and dealer. • Delinquency analysis including fraud. • Providing loss data for input into the strategy and pricing models. • Ensuring to make a profit from assets we buy as a leasing company by minimizing debt. • Minimizing bad debt is done by implementing lending policies and computer-based scoring to mitigate and measure risk.