Job Summary: 

• Looking for an experienced leader to join the Credit Risk team to manage unsecured lending products within the Cards business 
• Own credit strategy development, execution, and loss plan for both personal loan and installment lending
• Work closely with the product, pricing, and fintech provider to identify opportunities to grow while operating in an established Risk Appetite
• Responsible for coming up with ideas, capability to influence, and execute with speed in an agile fintech environment
• Owner of credit management and Net loss plan for unsecured lending products, including day-to-day activities related to credit risk
• Responsible for Acquisition underwriting strategy, including assessment, optimization, opportunity identification, and validation within established Risk appetite
• Use of internal and external data to enhance acquisition approval/ decline and loan amount strategies in a test/control discipline
• Improve test and learn strategy discipline, and conduct monthly reviews with senior management to proactively identify Risks and opportunities for the products
• Work with Collection, ACOE, modelling, fraud, and other cross-functional groups to ensure unsecured products are supported to meet business objectives
• Evaluate opportunities for growth in Installment lending with business development, product, pricing and finance teams
• Collaborate with 2nd LOD and other control partners to ensure strategies meet control partner requirements and regulatory standards
• Support all Credit Risk audit and regulatory exams for Unsecured Lending and have oversight on issue remediation
• Perform first occurrence validation (FOV) of strategies to ensure accurate implementation, and timely strategy validation exercises to ensure performance meets expectations
• Responsible for coaching, mentoring and development of the team

Skills on Resume: 

• Credit Strategy (Hard Skills)  
• Risk Assessment (Hard Skills)  
• Data Analysis (Hard Skills)  
• Team Leadership (Soft Skills)  
• Regulatory Compliance (Hard Skills)  
• Agile Execution (Soft Skills)  
• Stakeholder Collaboration (Soft Skills)  
• Underwriting Optimization (Hard Skills)

Job Summary: 

• Due diligence analysis of credit cases and mezzanine financing
• Operational assessment of companies as well as identifying, describing and estimating the risks affecting the business
• Lead, manage and develop a team of 4 Credit Analysts
• Prepare customer meetings, customer initiation, and acquisitions for new projects
• Evaluation of the brief analysis for new and existing projects
• Bond documentation and calculation, Fact sheet, Collateral structure, decision templates (presentation of the customer, project, risk assessment and summary)
• Negotiate conditions that include the customer's documentation after a legal review of the bond structure
• Sign of loan documentation and direct reporting to the CEO
• Examine securities and control of the use of funds in cooperation with the notary's office
• Withdrawal requirements on a 3-month cycle review of the securities
• Coordinate and negotiate with the different stakeholders of the project
• Participate in regular board meetings and create an agenda
• Delivery of an independent and objective risk and control assessment to ensure risk is identified and managed according to the Risk Appetite

Skills on Resume: 

• Due Diligence (Hard Skills)  
• Risk Evaluation (Hard Skills)  
• Team Management (Soft Skills)  
• Project Coordination (Soft Skills)  
• Bond Structuring (Hard Skills)  
• Legal Negotiation (Hard Skills)  
• Stakeholder Engagement (Soft Skills)  
• Board Reporting (Hard Skills)

Job Summary: 

• Lead a team of finance professionals, developing their skills, building their capability and coaching them to embody Dr Martens' culture
• Have ultimate accountability for credit management across EMEA
• Post and allocation of receivables, cash collection, chargeback, payment reconciliation, KPI reporting, managing overdue debt, cash receipt forecasting and determination of credit limits
• Be the subject matter expert and go-to person in the team for technical expertise and a point of escalation
• Support the team in being value-driven, maximising their collection efforts
• Take the lead in establishing regular reporting that can be shared with the EMEA and Finance leadership teams
• Maintain strong cash flows through efficient collections, which are measured by aging analysis and days sales outstanding (DSO)
• Control bad debt exposure and expenses through the direct management of credit terms and collections 
• Partner closely with the wider credit team so they are clear which accounts require escalation
• Lead the presentation of credit proposal, information and intelligence to the Credit Committee
• Provide credit leadership and management functions to the existing credit risk professionals in the regional credit department
• Lead initiatives for the development of credit control, monitoring, policies, procedures, framework and other credit functions
• Drive and lead the credit pre-screening, credit assessment and credit approval processes

Skills on Resume: 

• Team Leadership (Soft Skills)  
• Credit Management (Hard Skills)  
• Cash Forecasting (Hard Skills)  
• Technical Expertise (Hard Skills)  
• Collections Strategy (Hard Skills)  
• Risk Control (Hard Skills)  
• Policy Development (Hard Skills)  
• Stakeholder Communication (Soft Skills)

Job Summary: 

• Design and develop new credit, pricing, limit limit-setting policies for the Core Point-of-Sale product
• Work with Risk Engineering and Machine Learning teams to continue to improve underwriting and modeling frameworks
• Work with Product teams on innovative ways could change the product to improve unit economics
• Develop a robust valuation and monitoring infrastructure
• Leverage this valuation ownership to come up with insights on how to think about the economics of the business
• Forecast losses and delinquencies and work with Finance on allowance policies
• Monitor macroeconomic trends impacting loan performance and drive adjustments to underwriting and marketing strategies to mitigate risk
• Develop and grow a high-performing team of analysts on how to manage credit for the business
• Work cross-functionally with various teams - Applied ML, Product, Engineering, Fraud, Capital, Pricing, Legal/Compliance and Commercial teams
• Lead International Bank and handle all Credit Analysis matters including due diligence and credit risk analysis of a portfolio of loan opportunities internationally
• Carry out financial analysis or financial modelling for transactional matters including stress testing 
• Review financial statements and write credit reports to review credit risk analysis 
• Work with internal and external stakeholders to advise on Credit matters 

Skills on Resume: 

• Policy Design (Hard Skills)  
• Model Improvement (Hard Skills)  
• Valuation Monitoring (Hard Skills)  
• Loss Forecasting (Hard Skills)  
• Macroeconomic Analysis (Hard Skills)  
• Team Development (Soft Skills)  
• Cross-Functional Collaboration (Soft Skills)  
• Credit Analysis (Hard Skills)

Job Summary: 

• Responsible for delivering upon credit objectives, with outstanding results in respect of collections, delivery and risk
• Set objectives and streamline processes to ensure efficiency 
• Lead and develop the team to promote a confident and results-driven, goal-oriented department
• Take responsibility for the collection process in ways of reviewing and implementing strategies to manage company risk
• Hold regular 1-2-1's with team members for ledger reviews, identifying areas and ways of improvement, then tracking and monitoring progress
• Analysis of team performance and ensuring resources are allocated efficiently, and ensuring continuity of operations
• Attend and present credit and risk performance at regular meetings with the senior management team including but not limited to the credit committee and working capital groups
• Act as the point of escalation relating to the credit function, and resolve account disputes to minimise aged debt and improve proficiency
• Review financials and credit limits for significant customers with high levels of risk, as defined by own internal ranking system
• Produce relevant information and reports for the Finance Director
• Manage credit insurance applications and relationships with credit insurers
• Work closely with key stakeholders to manage query logs and response times
• Act as a business partner to the sales team
• Assist with projects, month-end close and reporting
• Develop and produce analytics, report on credit risk to ensure the business units are operating within risk appetite

Skills on Resume: 

• Credit Objectives (Hard Skills)  
• Process Efficiency (Hard Skills)  
• Team Leadership (Soft Skills)  
• Risk Strategy (Hard Skills)  
• Performance Analysis (Hard Skills)  
• Stakeholder Engagement (Soft Skills)  
• Credit Reporting (Hard Skills)  
• Dispute Resolution (Soft Skills)

Job Summary: 

• Deal with and respond to new non-automated invoice finance applications in a timely way and ensure high-quality lending decisions
• Act as an escalation point for non-standard receivable financing
• Get appropriate deal structures and ensure credit documentation to meet requirements
• Supporting business developers in their relationships with their customers, including joining them on customer visits
• Monitoring of all new receivable financing to ensure that the intended customer outcomes, composition and quality remain within appetite, metrics and limits
• Ongoing development and refinement of the financing guide
• Ownership of the dunning process
• Review and optimise financing and collections strategies
• Ownership of the Watchlist and associated process
• Work closely with the Business development and collections outsourcing provider on transactions showing early warning signs
• Act as SuRF score model owner
• Support the modeling team on SuRF design and implementation
• Assist with model governance and monitoring
• Monitoring and control of the credit portfolio

Skills on Resume: 

• Lending Decisions (Hard Skills)  
• Receivable Financing (Hard Skills)  
• Deal Structuring (Hard Skills)  
• Customer Support (Soft Skills)  
• Risk Monitoring (Hard Skills)  
• Strategy Optimization (Hard Skills)  
• Model Governance (Hard Skills)  
• Portfolio Control (Hard Skills)

Job Summary: 

• Be a member of the Swedish management team and chairman of the Credit Committee
• Develop and maintain Bluestep’s Credit instructions and guidelines
• Design and update Credit risk framework, reporting system and related policies and guidelines to drive sound control culture
• Work closely with business lines to conduct risk assessments to identify potential risks and advise on mitigation measures
• Develop Bluestep’s internal Risk Appetite and Risk Limits
• Lead and support multiple projects with external and internal stakeholders
• Drive forward improvements in credit risk management across business functions and future products
• Responsible for the relevant outsourcing agreement
• Ability to keep up to date and be at the forefront of any regulatory requirements and changes
• Present credit MI, analysis and recommendations to various audiences
• Support ad-hoc and ongoing projects to enhance Crowdz' credit processes and systems further
• Partner with the business development team to design new products or services and constantly enhance the customer journey
• Manage and proactively improve the quality of 1LOD credit submissions
• Facilitating training and/or coaching, developing process and system enhancements, and initiating, reviewing and expanding on quality assurance exercises

Skills on Resume: 

• Credit Governance (Hard Skills)  
• Risk Framework (Hard Skills)  
• Risk Assessment (Hard Skills)  
• Stakeholder Management (Soft Skills)  
• Regulatory Awareness (Hard Skills)  
• Process Improvement (Hard Skills)  
• Product Development (Soft Skills)  
• Quality Assurance (Hard Skills)

Job Summary: 

• Report to the Board on the performance of the Underwriting and other Credit risk functions against the risk appetite
• Review to improve overall business and monitor performance of the Underwriting policy against the credit risk appetite
• Review and develop effective Credit Risk Management policies and procedures across Underwriting, Recoveries and Bad Debt management
• Lead Underwriting to ensure delivery against the credit risk appetite
• Working with the Risk and Compliance function to ensure effective quality assurance processes, which evidence compliance with all legal and regulatory requirements
• Using high-quality and robust MI and business data to monitor business performance
• Provide regular, clear reporting to the CEO and other stakeholders on business and team performance against business objectives
• Use data and other information to monitor trends whilst working with the senior management team to refine and develop products, services and improve business performance
• Lead Underwriting change management projects in support of business objectives
• Understand technology and its application to the business, working to implement improvements
• Work with management teams to identify and implement operational enhancements
• Provide training, coaching and mentoring and ensure management and their staff are technically and practically competent
• Monitor and guide staffing levels relative to service levels, business demands and quality
• Maintain and develop own skills, knowledge and behaviours whilst maintaining awareness of industry and regulatory standards and changes

Skills on Resume: 

• Risk Reporting (Hard Skills)  
• Policy Development (Hard Skills)  
• Quality Assurance (Hard Skills)  
• Data Monitoring (Hard Skills)  
• Change Management (Soft Skills)  
• Tech Implementation (Hard Skills)  
• Staff Coaching (Soft Skills)  
• Operational Enhancement (Hard Skills)

Job Summary: 

• Accountable for the strategic direction and performance of the direct Private Credit business and achievement of financial targets
• Develop and articulate a direct Private Credit investment strategy, in consultation with portfolio/ investment management teams and in line with client demand, market trends, economic fundamentals, and investment opportunities available
• Oversee the implementation of the investment strategy via effective investment standards and processes
• Identify challenges and weaknesses and address these with solutions and enhancements
• Represent HSBC Alternatives and asset management at the highest levels across the group and with all client types
• Refine and implement data-driven credit underwriting policies and decisioning rules operated within a compliance framework
• Manage high-performing credit decisioning teams located across multiple time zones
• Measure, analyse and report on applicant credit profiles and suggest refinements to underwriting rules
• Assist the Chief Risk Officer with risk management tasks
• Ensure credit underwriting aligns with strategic direction and business needs
• Use credit solutions to win strategic clients and partner opportunities
• Research and keep the business informed of commercial credit industry trends and competitor positioning

Skills on Resume: 

• Strategic Planning (Hard Skills)  
• Investment Strategy (Hard Skills)  
• Policy Implementation (Hard Skills)  
• Problem Solving (Soft Skills)  
• Stakeholder Representation (Soft Skills)  
• Credit Underwriting (Hard Skills)  
• Team Management (Soft Skills)  
• Market Research (Hard Skills)

Job Summary: 

• Lead a team with responsibility for Credit Risk Fulfilment for all of the markets in which Entercard operates
• Ensure comprehensive Credit Risk reporting for all asset segments, and an ongoing agenda of analytical reviews/initiatives to provide incremental insights
• Ensure communication of identified risk levels, trends, and insights to stakeholders
• Accountable for the monthly production of Impairment numbers and Impairment forecasting
• Ensure data integrity, a robust control framework, and compliance with internal rules and external regulations/standards
• Ensure transparent communication to stakeholders regarding
• Impairment variance to budgets, including regular intra-month communications on month-end expectations
• Ensure that forecasts are provided to timelines that fulfil overall business requirements
• Drive the agenda at the entering card Impairment Committee
• Lead the preparation of proposals for quarterly updates 
• Impairment rates and any amendments to Impairment methodologies
• Oversee and approve all Credit Risk inputs into stress-testing exercises and inputs into commercial business cases
• Continuously improve Credit Risk Fulfilment process with a clear long-term vision, and keep updated regarding market developments
• Availability of analytical tools and market developments in best-practice methodologies
• Continuously drive excellence in the CR processes, take ownership of people development and contribute towards strategic thinking

Skills on Resume: 

• Risk Fulfilment (Hard Skills)  
• Impairment Forecasting (Hard Skills)  
• Stakeholder Communication (Soft Skills)  
• Data Integrity (Hard Skills)  
• Regulatory Compliance (Hard Skills)  
• Stress Testing (Hard Skills)  
• Process Improvement (Hard Skills)  
• People Development (Soft Skills)