Loan Underwriter (PH)

Esusu: Building Credit Access for All

Your financial future shouldn't depend on your race, background, or zip code. Yet 45 million Americans remain "credit invisible," while countless others face denials, evictions, and predatory interest rates regularly. Esusu is changing that.

As a financial technology and data platform, we're revolutionizing financial health, identity services, and inclusive decision-making for individuals and businesses alike.

Our impact speaks volumes:

• $50 billion in credit activity facilitated
• 5 million+ rental units in our network
• Trusted partnerships with leading real estate companies, government entities, fintechs, banks, and employers

Through our enterprise services, embedded products, and consumer offerings, we're creating a financial system that works for everyone—right when fintech innovation matters most. Join us in building a future where financial systems are inclusive by design, access is standard, and opportunity reaches everyone. 

Unlock Tomorrow with Esusu.

Loan Operations Team 

The Loan Operations team is the centralized operational engine for Esusu’s loan products, responsible for the end-to-end operational workflows of Rent Relief, and Esusu Split Pay and Affirm via Esusu Pay, including loan operations, disputes, and escalations.

Role Overview

The Loan Underwriter is responsible for credit decisioning and risk assessment across Esusu’s loan products, primarily Rent Relief and Esusu Split Pay, within the centralized Loan Operations team. Underwriters evaluate applications, apply approved credit and eligibility criteria, and ensure decisions are consistent, well-documented, and aligned with program policies and risk appetite.

What you will help us deliver

• 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.

Core competencies we are hiring for 

• 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.

Above and beyond

• 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.
• Enjoyment of teamwork and adaptability to evolving products, processes, and priorities.

Competitive Benefits That Support You

At Esusu, we invest in our people with benefits designed to help you thrive both personally and professionally. For our Philippines-based team members, we partner with an Employer of Record (EOR), a third-party organization that manages payroll, taxes, and compliance on our behalf.

• 💵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.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. 

© Esusu Inc. All rights reserved, Esusu is proud to be an equal opportunity workplace. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, gender identity, sexual orientation, age, disability, veteran status, or other applicable legally protected characteristics. We encourage people of different backgrounds, experiences, abilities, and perspectives to apply.