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OneLot is seeking a B2B2C Credit Lead to own and strengthen the credit, underwriting, and fraud-prevention foundations of its B2B2C lending product. This is a hands-on, execution-focused role where you'll personally validate credit decisions, build practical processes, and ensure portfolio quality during the pilot and early scaling stages.
You'll work closely with Credit, Operations, and Sales teams to guide day-to-day credit execution and translate technical credit standards into clear, actionable operating practices. This is an individual contributor role without direct people management responsibilities.
Key responsibilities include:
- Personally lead and validate underwriting, fraud checks, verification, and credit procedures during the B2B2C pilot phase
- Act as a final reviewer for complex, high-risk, or exception cases to reinforce disciplined credit decisions
- Guide frontline execution of B2B2C credit processes in collaboration with Credit, Operations, and Sales teams
- Translate credit and fraud requirements into clear SOPs, playbooks, and operational guidance
- Conduct regular portfolio reviews to identify risk drivers, emerging trends, and control gaps
- Recommend and implement corrective actions to protect portfolio quality
- Improve credit workflows, verification steps, controls, and system logic to reduce operational risk and increase efficiency
- Coordinate with internal stakeholders to resolve credit-related escalations and operational blockers
- Design and deliver training and calibration sessions to ensure consistent application of credit and fraud standards
Required qualifications:
- 3+ years of hands-on experience in credit, underwriting, fraud detection, or risk management, preferably in consumer or auto lending
- Direct involvement in complex or exception cases
- Strong understanding of KYC, fraud indicators, document verification, and credit evaluation frameworks
- Comfortable guiding execution across teams and driving alignment without direct line management
- Strong analytical judgment and decision-making skills, especially in ambiguous or high-risk cases
- Ability to translate technical credit requirements into practical, executable guidance
- Clear written and verbal communication skills
- Experience with credit systems, verification tools, or lending workflows is a strong advantage
