Remote Operations Specialist · FinTech & Financial Services
Finance-Grade Operations.
Built for FinTech at Scale.
10+ years inside enterprise financial services — HSBC (UK, £25K authority), Lightspeed Commerce (APAC, $50K limits), and SimplyFunded (UK & AU SME lending). I now build the CRM systems, automated workflows, and compliance frameworks that growing FinTech firms need to operate at scale — without hiring a full-time ops team.
Work Experience
Business Loan Underwriter / Loan Processor
Mar 2025 – Present
SimplyFunded / Morley Capital Ltd
·
Currently serving UK and Australian SME lending markets with full end-to-end underwriting and compliance management across multiple CRM platforms
Conducts initial credit assessments for SME loan applications by reviewing webforms, supporting documents, financial records, and Open Banking data — processing up to 20 applications daily
Calculates key credit metrics including Debt Service Coverage Ratio (DSCR), repayment structures, and leverage ratios to determine repayment capacity and risk exposure
Verifies borrower information including business registration, guarantor checks, and credit history (CCJs, liquidations) through Experian, Equifax, and Credit Safe
Prepares clear and concise Credit Proposals summarizing financial analysis, risk findings, and underwriting recommendations for decisioning
Maintains audit-ready loan application records and underwriting notes across Monday.com, MyCRM, Zendesk, Salesforce, and HubSpot simultaneously
Collaborates directly with brokers, valuers, lawyers, and internal stakeholders to ensure smooth loan progression from assessment to settlement
Merchant Capital Underwriter / Risk Analyst
Apr 2022 – Mar 2025
Lightspeed Commerce Inc.
·
Fraud loss reduction achieved through redesigned risk assessment protocols
98%
Daily loan applications managed with 24-hr SLA compliance
30+
Assessed and approved business lending applications with authorization limits up to $50,000 across CAD, AUD, USD, GBP, and NZD — multi-currency, enterprise-grade decisioning
Managed high-volume pipeline of 30+ complex loan applications daily, maintaining 24-hour SLA turnaround from initial lodgement to credit proposal using MyCRM, Quickli, and ApplyOnline
Reduced potential fraud losses by 98% through enhanced risk assessment protocols and implementation of additional fraud detection checkpoints
Conducted comprehensive reviews of financial statements, bank cash flows, and DTI ratios; evaluated "willingness to pay" through personal credit reports and ML risk scoring models
Reviewed KYB/KYC data and online presence quality; ensured AML compliance across all applications using Trulioo and Creditsafe
Collaborated with Account Managers to address client data discrepancies, accelerating underwriting decisions and improving client satisfaction
Interpreted financial capacity of self-employed, company, and Trust structures for efficient credit analysis using Lender Information Matrix
Credit Underwriting Executive L7 → Associate L8 → Operations Associate
Mar 2014 – Apr 2022
HSBC Philippines
·
Promoted twice — from Operations Associate → Underwriting Associate L8 → Executive L7 — over 8 years at HSBC, reflecting sustained high performance across 3 roles and 3 markets (UK, HK, M&S Bank)
Credit Underwriting Executive L7 · Jun 2018 – Apr 2022 · UK Market
Evaluated over 30 credit applications daily with lending authority up to £25,000 — UK consumer credit market
Conducted cash flow analysis and risk assessments to determine creditworthiness; collaborated with financial crime risk teams on escalations and risk mitigation
Provided policy update recommendations to management based on pattern analysis across credit decisions
Credit Underwriting Associate L8 · Oct 2017 – Jun 2018 · HK Market
Reviewed and assessed credit applications for the Hong Kong market, ensuring adherence to compliance guidelines across jurisdictions
Conducted in-depth analysis of applicants' financial data to determine credit limits; maintained cross-jurisdictional compliance standards
Operations Associate · Mar 2014 – Oct 2017 · M&S Bank (UK)
Managed customer relationships and resolved inquiries via phone banking — credit cards, billing disputes, travel money under M&S Bank brand
Ensured full regulatory compliance during all foreign exchange transactions; managed risk documentation per NCCP framework
Earlier Career
2011 – 2014
RR Donnelley · Mandaluyong · Aug 2013 – Mar 2014
Customer Service Executive — Handled insurance applications for Ace Insurance Shared Services. Coordinated between telemarketers, Claims, and Billing departments.
IBM Philippines · Quezon City · Nov 2011 – May 2013
Customer Service Specialist — UK Orange/EE network technical support. Top iPhone technical support expert. Customer service and billing inquiries.
Skills & Proficiency
Financial Analysis
DSCR / DTI Calculations
Expert
Credit Risk Assessment
Expert
Financial Statement Analysis
Expert
Cash Flow Analysis
Expert
Loan Scenario Structuring
Expert
Operations & Systems
CRM Configuration
Advanced
Workflow Automation
Advanced
Process Documentation / SOPs
Expert
SLA Management
Expert
Systems Integration
Advanced
Compliance & Risk
KYB / KYC Verification
Expert
AML Compliance
Expert
Fraud Detection
Expert
NCCP / Lender Policy
Expert
Audit-Ready Documentation
Expert
Communication & Leadership
Stakeholder Communication
Expert
Credit Proposal Writing
Expert
Cross-functional Collaboration
Expert
Team Leadership (VP level)
Advanced
Public Speaking
Advanced
Tools & Tech Stack
Salesforce
CRM Platform
3+ yrs
HubSpot
CRM Platform
2+ yrs
Monday.com
Project Ops
2+ yrs
Zendesk
Support Ops
3+ yrs
MyCRM
Mortgage CRM
5+ yrs
Quickli
Serviceability
3+ yrs
Experian
Credit Bureau
4+ yrs
Creditsafe
Risk Intel
3+ yrs
Trulioo
KYB Verification
3+ yrs
ApplyOnline
Aggregator
3+ yrs
Google Workspace
Collaboration
7+ yrs
Excel / Sheets
Financial Modeling
10+ yrs
Key Achievements
98%
Fraud Loss Reduction
Reduced potential fraud losses at Lightspeed Commerce through redesigned risk assessment protocols and implementation of enhanced fraud detection checkpoints across the underwriting pipeline.
30+
Applications Per Day
Maintained a high-volume pipeline of 30+ complex SME loan applications daily at Lightspeed, consistently meeting 24-hour SLA from initial lodgement to credit proposal — for 3 consecutive years.
$50K
Authorization Limits
Held individual authorization limits of up to $50,000 across five currencies (CAD, AUD, USD, GBP, NZD) at Lightspeed Commerce — enterprise-grade decisioning responsibility.
£25K
UK Lending Authority
Held lending authority of up to £25,000 per application at HSBC's UK Credit Underwriting division — evaluating 30+ applications daily across consumer credit portfolios.
3×
Promoted at HSBC
Advanced from Operations Associate → Credit Underwriting Associate L8 → Credit Underwriting Executive L7 over 8 years — reflecting sustained high performance across three distinct roles and markets.
5
CRM Platforms Mastered
Concurrently operates across Salesforce, HubSpot, Monday.com, Zendesk, and MyCRM at SimplyFunded — maintaining audit-ready records and workflow integrity across all platforms simultaneously.
Education & Credentials
New Era University · Quezon City, PH
BSBA · Financial Management
Anticipated completion 2026 via ETEEAP (Expanded Tertiary Education Equivalency and Accreditation Program) — recognizing professional experience equivalent to formal academic credits.
STI West Negros University · Bacolod City, PH
AB English (Undergraduate)
Foundational studies in English language and communication — the basis of Vod's high-precision written communication in compliance documents, credit proposals, and stakeholder reporting.
McKinsey & Company Inc.
Forward Program Alumni
Selected participant in McKinsey's Forward Program — a global initiative focused on structured problem-solving, business fundamentals, and leadership frameworks. Brings a consulting-grade analytical lens to operational challenges.
Toastmasters International · GSC PH (HSBC GSC)
VP for Membership
Served as VP for Membership at GSC Toastmasters Club Philippines — responsible for member recruitment, engagement, and retention. Demonstrates leadership beyond technical roles and the communication clarity clients rely on in every engagement.
Currently Accepting 2 New Clients
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