Esusu · 12 hours ago
Loan Underwriter (PH)
United States
Full-time
Remote
Entry, Mid Level
2+ years expEsusu is a financial technology and data platform focused on building credit access for all. The Loan Underwriter will be responsible for credit decisioning and risk assessment across Esusu’s loan products, ensuring decisions are consistent and aligned with program policies.
CreditFinancial ServicesFinTech
Responsibilities
Receive, review, and evaluate loan applications as they come up and ensure they are processed as per established company procedures and policies
Assess each loan applicant’s credit risk profile and help build out a risk scorecard
Re-assess risk when policies come up for renewal
Help drive critical business decisions by analyzing metrics and designing reports in a timely manner
Keep internal Esusu team members updated on unresolved requests and responsively identify trends
Support with administrative and other reporting tasks for the team, including disbursements and repayments updates, as well as general administrative duties as assigned
Work with the Loan Manager and Data team on improving underwriting criteria and suggesting process improvements
Use internal systems and AI‑powered tools (for example, to summarize case data, support document checks, or prioritize queues) to increase speed and consistency, while exercising independent judgment on final decisions. Provide structured feedback that helps improve these tools over time
Qualification
Required
At least 2 years of experience in credit underwriting or similar risk roles (e.g., consumer lending, installment loans, BNPL/pay‑over‑time, microfinance, or related credit products)
Solid knowledge of banking or lending procedures, financial documentation, and experience working with digital financial systems or loan platforms
Demonstrated ability to handle confidential data in an ethical, professional manner and familiarity with working under defined legal, compliance, and privacy standards
Experience working in a high‑volume environment where accuracy, consistency, and adherence to SLAs are critical
Experience with, or strong interest in, AI‑driven tools for fraud/identity checks, document analysis, queue optimization, or reporting
Clear Communication. You communicate clearly and professionally in English—both in writing and speaking—with strong listening and comprehension skills suited to a remote, global team
Organization. You are flexible and proficient at multitasking across different workflows and projects. You stay organized under time pressure, can work with minimal supervision, and proactively suggest process improvements when you see gaps
Attention to detail. You are thorough and efficient with a keen eye for detail. You notice inconsistencies across applications, documents, and system data—even at higher volumes—and know when to dig deeper
Analytical. You are a critical thinker who can collect and synthesize information from multiple sources, identify patterns, and make timely, grounded eligibility decisions. You are comfortable with spreadsheets, dashboards, and data‑driven discussions. You are a critical thinker with the ability to collect and analyze information, helping to identify trends and behavior to make loan eligibility decisions in a timely and efficient manner
Digital and AI fluency. You are comfortable working with new tools and systems and are curious about using AI and automation to improve your work. You learn quickly, provide thoughtful feedback on tools, and can integrate them into your day‑to‑day without losing sight of risk controls and fairness
Flexibility. You are comfortable working the night shift. The working hours for this position are 9:00 AM – 5:00 PM EST, so you will need to be online and reachable during this time
Benefits
Competitive Salary – Aligned with your experience and the PH market, administered through our Employer of Record (EOR)
Remote first work environment - Where we trust you to get your work done. Core availability expected during Eastern Time (8AM–5PM EST).
Generous PTO – Enjoy a generous paid time off policy of 12 vacation days, 12 sick leaves, and 1 birthday leave, plus a 5-day work anniversary leave (available after your first year).
Premium Health Coverage – Comprehensive HMO via iCare
Government-Mandated Benefits – Includes SSS, PAGIBIG, PhilHealth, 13th Month Pay, Night Differential, Overtime, and Holiday Pay
Work Tools Provided – Laptop and essential work equipment included
In person and virtual team get togethers - To connect with your fellow Esusu colleagues.
Company
Esusu
Esusu is a financial technology platform that leverages data solutions to help residents and improve property performance.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$195.03MKey Investors
Westbound Equity PartnersSoftBank Vision FundMotley Fool Ventures
2025-12-11Series C· $50M
2022-01-27Series B· $130M
2021-07-16Series A· $10.6M
Leadership Team
Samir Goel
Co-Founder
Wemimo Abbey
Co Founder
Recent News
The Real Deal
2026-01-23
2026-01-23
Company data provided by crunchbase