Credit Operations Manager

Company: OneLot Financing Corporation

Location: Makati, Philippines

About OneLot:

OneLot is reimagining the used car financing industry in the Philippines. As a fast-growing startup, we empower used car dealers with accessible financial solutions and an easy-to-use digital platform that helps them succeed. Our mission is simple: to make buying and selling cars faster, easier, and more effective.

To apply for the position at OneLot, click apply! Alternatively, you may click here to apply: https://onelot.fillout.com/jobs.

About the Role:

As the Credit Operations Manager, you will oversee the execution of credit, underwriting, and fraud prevention practices for our B2B2C loan portfolio. Operating through matrix management, you'll influence the Credit, Operations, and Sales teams to ensure adherence to credit standards and controls. This role is key to ensuring portfolio quality while enabling scalable growth in our B2B2C business.

This position is ideal for someone with experience in credit or underwriting, and the ability to guide cross-functional teams in a dynamic, fast-paced environment. You'll have a direct impact on shaping the future of our B2B2C product and ensuring operational success.

What You Will Do:

• Lead and validate underwriting, fraud checks, and credit procedures during the pilot phase of the B2B2C loan product.
• Ensure disciplined execution of credit processes by guiding Credit, Operations, and Sales teams without direct reporting authority.
• Maintain risk within approved thresholds by strengthening fraud prevention and verification standards.
• Translate credit and fraud expertise into clear, actionable processes, playbooks, and guidance.
• Conduct portfolio reviews to identify emerging risks and recommend corrective actions.
• Improve credit workflows and system logic to increase efficiency and reduce operational risk.
• Support underwriting decision-making for complex or high-risk cases.
• Resolve credit-related escalations and operational blockers affecting credit quality.
• Design and deliver training and calibration sessions to ensure consistent application of credit and fraud standards.

What We Will Need:

• 3+ years of experience in credit, underwriting, fraud detection, or risk management, preferably in consumer or auto lending.
• Strong understanding of KYC, fraud indicators, document verification, and credit evaluation frameworks.
• Ability to operate through matrix management and influence teams without direct authority.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills, with the ability to translate technical requirements into operational guidance.
• Experience with credit systems and lending workflows is an advantage.

If you are a highly motivated and results-driven professional looking to make a significant impact in the FinTech industry, we invite you to join us on this exciting journey at OneLot.