Adviser — Credit Policy and Approval Governance

Make the approval process accountable

This role addresses credit policy in a technology-enabled lending environment, with particular attention to delegated authority, exceptions and the use of data-supported decisions. The adviser must produce rules that staff can apply consistently and that governance bodies can meaningfully oversee.

Policy design responsibilities

Review eligibility, underwriting criteria, approval levels and conditions before funding. Examine the treatment of model recommendations, manual overrides and incomplete information. Define how policy changes are authorised and how their effect on portfolio performance will be assessed.

Governance after approval

Recommend monitoring and review triggers tied to repayment behaviour, data quality and changes in the underlying supply chain. Ensure exceptions have an owner, rationale, expiry or review point, and a route for escalation. Separate commercial accountability from independent risk challenge where the operating model requires it.

Exception reporting should distinguish a one-time departure supported by evidence from a recurring practice that effectively changes policy. The adviser should define who reviews patterns and when the approval framework needs revision. Where automated decisions are used, establish how policy rules, model outputs and human overrides are recorded together. A reviewer should be able to reconstruct why funding was approved and what conditions applied. This is essential for learning from losses and for identifying whether poor outcomes arise from policy, data or execution.

Acceptance criteria

Test the policy against borderline and adverse cases, including a strong model score with weak transaction evidence and a repeat borrower with deteriorating performance. The engagement should leave clear decision records and workable controls. The adviser does not assume credit authority; authorised management must own approval decisions and continuing policy operation.