Location: we would like you to work from our office in Vilnius two days per week, joining our team of dedicated professionals and making your mark on the world of B2B e-commerce.
About Hokodo
We’re an international and diverse team, based in London, Vilnius and Paris, working to modernise B2B payments.
Our Digital Trade Credit solution enables merchants to offer credit terms to their business customers instantly, resulting in a 40% average increase in revenue for integrated merchants.
We are scaling rapidly across Western Europe, with a list of stellar clients and have raised a total of over $50 million to support our mission.
Join us in our efforts, as we have already made good progress with 50,000+ businesses regularly using Hokodo, but need your support to take us to the next level!
What you’ll be doing - If you get excited by the following, this is the role for you.
You will be working alongside the Risk & Data Analytics, Collections, Customer Success and Tech teams to assess risk of buyers and merchants resulting in manual decision optimising the trade-off between a high offer rate and a low bad debt rate. As part of the Credit Risk team, you will be:
Conducting end to end credit analysis on a daily basis for buyers and merchants as Hokodo’s counterparts
Managing the portfolio of credit reviews including workload management, monitoring and optimisations
Contributing to the monitoring of large exposures and cases under collection, as well as documenting root cause analysis for large loss cases
Identifying and contributing to the delivery of improvements and automations to the processes and tools used by the team
Support the onboarding of new merchants through cross-function collaboration, identifying potential issues and suggesting solutions where necessary.
Help maintain strong merchant relationships from a risk management perspective, alongside the Customer Success team.
Who we’re looking for - At Hokodo, we prioritise hiring individuals who share our mission and values, and possess the right attitudes and behaviours for success. While some of the listed requirements may be important, don't worry if you don't meet all of them, we’d still like to hear from you.
In light of these responsibilities, we’re looking for a candidate who has:
At least 3 years of relevant experience working for a credit insurance, finance provider, or in the credit management department of a large company
Excellent verbal and written communication skills in English and Lithuanian
Good commercial acumen and the ability to strike appropriate risk-return tradeoffs
Understanding of the main financial reporting and insolvency legal frameworks in the UK and other EU countries
Good command of tools such as Google Sheet, or Excel, and data visualisation tools a plus (e.g. Looker)
Comfortable in a fast-paced and tech driven startup environment where change is constant
Organised and methodical with the ability to multi-task and take initiative
Can-do and positive attitude, curious, creative and on the lookout for new ideas and methods to improve our ways of working and tools
Nice to have
Experience in Fintech or lending industry
Fluent in French
Interview Process
Intro, company fit and run through career history with the Hiring Manager - 30 minutes - Video Call
Case Study and Live Questionnaire with the Hiring Manager and team members - 60 minutes - Video Call or in person
Team fit interview - 60 minutes - Video Call or in person
Meet the team and Co Founder - 90 minutes - In person
What’s in it for you?
We’re offering the chance to really make a difference to Hokodo and the wider B2B payments and e-commerce industry. The opportunity for personal growth in a fast-moving startup is massive. Your opinion and feedback will be heard and valued. You'll feel a part of a very special team.
We offer a competitive salary and benefits package, including share options.
📈 Share Options
🏖️ Holiday entitlement: 25 days + bank holidays
💪 Hoko-Flex: additional flexible leave
🎓 Annual Learning and Development budget
✈️ Globetrotter travel policy: Spend up to 60 days working from abroad each calendar year
🏥 Health Insurance
🌴 Yearly offsites and other company socials: Previously, we have been to Malta & Majorca, as well as regular meetups in London and Paris.
Our values
Hokodo is more than a place to work. We're passionate about making our industry better and aren't afraid of the competition. We pride ourselves on our culture of down to earth employees who are always willing to go the extra mile to help each other out!
Own the Outcome - We’re committed to our tasks, and take pride in the outcome. It’s never “not my job”. We are bold, we are brave, and we embrace change in all its forms.
Trust and Build Trust - We are committed to earning and fostering trust through honest communication and deliberate actions. We support our team and value each other’s time, input, and take local decisions where possible.
Never Be Satisfied - We challenge the norms and act boldly, even if it means failing. We are reflective, always learn from our mistakes, and continuously seek feedback and ways to improve. When something’s not quite right, we crave to fix it. We’re open to being challenged, and challenge others openly.
No Passion, No Point - We bring passion and energy to everything we do. We get a lot done, and we have a good time doing it. We take every opportunity to celebrate our hard work, our wins - and some of our failures too!
Be Genuine (No BS) - We are truthful and honest in our actions. We embrace and respect our individuality and encourage people to speak their mind. We are transparent and committed to doing what’s best for each other, our customers and our company. Put simply, we care.
Don’t tick all of the boxes? Neither do we.
We are driven by hiring not only by experience and relevance for the role but also our mission and values, and possess the right attitudes and behaviours for success. We celebrate anything ‘outside of the box’, so if you don’t meet all of the listed tickbox criteria, please do still apply as we’d love to hear from you.
The diversity of our team reflects the diversity of our community and customers. We not only welcome but celebrate diverse communities. We feel we have an empowering environment where everyone is supported and respected, and we want you to feel this too. We welcome new ideas, thinking and approaches and listen intently, and we are strongly committed to learning and improving on this as we grow.
Top Skills
What We Do
At Hokodo, we are modernising the way businesses buy from each other by making it easier and safer to sell to business customers! Our “Trade credit as a service” technology empowers B2B merchants to offer credit terms to their business customers instantly, even on their first purchase. In turn, customers benefit from additional payment terms through a frictionless checkout experience. Over 30% of B2B trade takes place on credit terms, with trade credit representing the largest source of business financing in advanced economies. Yet current processes for offering trade credit are outdated and not fit for the digital age. Hokodo’s digital platform solves these issues by offering merchants a powerful set of solutions to manage trade credit and scale with confidence. Merchants that integrate with Hokodo see on average a 40% increase in revenues. Gone are the days of paper-based trading account applications, manual credit decisions and cumbersome sales journeys. Our easy-to-integrate digital platform streamlines the entire order-to-cash process, allowing merchants to make credit decisions in real-time, be protected against bad debt and get access to working capital finance options. We also protect merchants by insuring against the credit risk with Lloyd’s of London, and arrange the financing with our partners so our sellers can get paid upfront if they choose. We’ve believed for a long time that the design and distribution of financial products has been broken, and we’ve been on a journey to fix it since. Our team cuts across geographical barriers and brings together financial services practitioners, engineers, data scientists and designers… all working together to create a better way of doing business! Want to join us on our journey? Drop us an email at jobs@hokodo.co Hokodo’s solutions are underwritten by SCOR Syndicate 2015, SCOR SE’s corporate syndicate at Lloyd’s of London.
