Specialist – Digital Lending Job at CRDB Bank Plc

CRDB Bank Plc is seeking a Specialist – Digital Lending to manage credit risk across its digital loan products. The role focuses on ensuring that automated lending systems, credit scorecards, decision engines, and underwriting rules produce sound credit decisions that remain within the Bank’s approved risk appetite.

The position combines digital lending, credit risk management, data analysis, product management, and financial technology. The successful candidate will monitor digital loan portfolios, investigate exceptions and unusual applications, assess credit risk, improve automated lending processes, and work closely with IT, Analytics, Operations, and Business teams to strengthen the Bank’s digital lending products.

Key Responsibilities

• Analyse digital lending platforms using automated scorecards, rules engines, and credit systems.

• Review applications requiring manual checks, exceptions, or overrides.

  

• Validate customer information, income data, and supporting documentation.

• Assess customer repayment ability, financial position, income, and relevant market factors.

• Apply approved credit policies and underwriting rules to digital lending platforms.

• Ensure digital lending activities comply with the Bank’s credit policies and procedures.

• Monitor daily digital loan portfolio performance, including:

  • Approvals

  • Declines

  • Arrears

  • Early-warning indicators

  • Repayment performance

• Monitor and support timely collection of digital loans.

• Identify potential fraud indicators and unusual application patterns.

• Monitor emerging credit risks.

• Track credit overrides, exceptions, and model performance.

• Prepare credit reports and management dashboards.

• Monitor deviations from approved credit policies.

• Support periodic portfolio reviews, audits, and regulatory inspections.

• Respond to regulatory and audit queries and findings.

• Analyse inspection reports and identify important credit-risk trends.

• Work with IT, Analytics, Operations, and Business teams to improve digital lending processes.

• Evaluate proposals involving external digital-lending partners.

• Maintain accurate documentation and records of credit decisions.

• Ensure digital lending activities meet the Bank’s customer service standards.

• Review requests for:

  • Loan rescheduling

  • Refinancing

  • Loan curing

• Structure loan facilities based on risk analysis and submit them according to approval authority levels.

• Regularly review digital credit calculators.

• Review and update pre-qualification and eligibility criteria.

• Support updates to the Credit Policy and Credit Operating Manual.

• Train and mentor junior staff on digital lending credit policies and procedures.

• Support branches by transferring knowledge on digital lending practices.

• Keep up to date with legal, market, credit-risk, and regulatory developments affecting consumer lending.

Qualifications and Experience Required

• Bachelor’s degree in:

  • Finance

  • Banking

  • Economics

  • Business Administration

  • Information Technology

  • A related field

• Minimum 3 years of relevant experience in:

  • Digital Lending

  • Credit Management

  • Product Management

  • Financial Services

  • Related functions

• Proven experience managing digital lending products.

• Experience with digital credit processes and customer lending journeys.

• Strong understanding of:

  • Credit risk assessment

  • Loan origination

  • Underwriting

  • Credit scorecards

  • Decision engines

  • Portfolio monitoring

• Strong analytical skills and ability to interpret lending data.

• Ability to generate actionable credit-risk insights.

• Experience using credit calculators and lending models.

• Experience developing and implementing digital financial products.

• Experience supporting innovative digital lending solutions.

• Ability to work with technology and business teams on digital product improvements.

• Strong time-management and organizational skills.

• Ability to handle multiple priorities in a fast-paced environment.

• Strong attention to detail.

• Ability to identify credit risks beyond purely numerical analysis.

What This Job Really Involves

This is essentially a digital credit-risk specialist role.

Instead of manually processing every loan application, modern digital lending platforms use credit scorecards, automated rules, decision engines, customer data, and eligibility criteria to make lending decisions. Your job would be to make sure those automated systems are producing appropriate decisions and that the resulting loan portfolio remains healthy.

For example, if a digital loan application is automatically approved, the specialist monitors whether customers are actually repaying those loans. If arrears start increasing within a particular customer segment, the specialist investigates the underlying cause and may recommend changes to the scorecard, eligibility criteria, lending limits, or credit rules.

The role therefore sits between Credit, Digital Banking, Data Analytics, Product Management, and Technology.

Main Areas You Would Work On

1. Digital underwriting

You would help govern how automated systems determine whether customers qualify for loans. This includes reviewing scorecards, eligibility rules, credit calculators, and decision engines.

2. Credit-risk monitoring

You would continuously monitor approval rates, declines, arrears, repayment behaviour, exceptions, overrides, and early-warning indicators.

3. Portfolio analysis

The job is not finished when a loan is approved. You would analyse the performance of the entire digital loan portfolio and identify emerging risks.

4. Fraud and unusual behaviour

You would look for suspicious application patterns, unusual customer behaviour, and other indicators that could signal fraud or weaknesses in the lending process.

5. Product improvement

You would work with IT, Analytics, Operations, and Business teams to improve the digital lending journey and make lending products more effective while maintaining appropriate risk controls.

6. Credit policy

You would help ensure that automated lending platforms correctly apply the Bank's credit policies and contribute to updates of credit policies and operating procedures.

Ideal Candidate

The strongest candidate would typically have:

• At least 3 years of digital lending or credit-risk experience.

• Direct experience with digital loan products.

• Knowledge of automated credit decisioning.

• Experience with credit scorecards and underwriting models.

• Understanding of loan origination systems.

• Strong portfolio-monitoring and credit-analysis skills.

• Experience working with digital financial products.

• Good understanding of consumer lending.

• Strong data-analysis capabilities.

• Experience collaborating with IT and analytics teams.

• Strong understanding of credit policy and lending controls.

• Excellent attention to detail.

How to Apply

Interested candidates should apply through the official CRDB Bank careers portal:

Select Specialist – Digital Lending, review the complete vacancy details, and follow the online application instructions.

Application deadline: 9 August 2026.

Final Thought

This opportunity is particularly suitable for professionals with experience in digital lending, fintech credit, consumer lending, credit-risk management, or digital financial products. A strong CV should clearly demonstrate experience with digital loan platforms, automated underwriting, credit scorecards, decision engines, portfolio monitoring, credit analytics, lending models, and digital product development.