Ebury is a hyper-growth FinTech firm, named in 2021 as one of the top 15 European Fintechs to work for by AltFi. We offer a range of products including FX risk management, trade finance, currency accounts, international payments and API integration.
4 days in the office, 1 day from home
We are building out our Credit Risk function here in Toronto, Ebury’s main Canadian office, and you will be one of the first analysts dedicated to one of our most important geography.
Our lending is powered by business insight. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.
You will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.
The key is to add qualitative insight to credit decisions including granting lines, monitoring them, and pursuing collections.
- Support, and report to, the Country Head of Credit Risk;
- Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk;
- Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
- Present and defend your analysis personally at credit committee meetings to senior management, including C-Suite;
- Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;
- Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury;
- Proactively manage your own pipeline of work;
- Liaising with managers across our other geographies to add insight or assist where necessary;
- Share your thoughts to improve our processes.
We don’t conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:
- A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness;
- A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
- A solid understanding of Canadian accounting principles;
- An understanding of FX markets and associated vanilla products;
- An ability to work in Excel in a professional setting.
- Have a high level of proficiency in communication in both English and French.
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Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 25 countries worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Bucharest to Toronto, we enjoy sharing team experiences and celebrating success across the Ebury family.
Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.
None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.
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What We Do
About Ebury®
Ebury is a Fintech company specialised in international payments, collections, and foreign exchange services. It offers financial solutions aimed mainly at SMEs and midcaps. Ebury offers foreign exchange activity in over 130 currencies - for both major and emerging markets - as well as cash management strategies, trade finance, and foreign exchange risk management.
Founded in London in 2009 by Spanish engineers Juan Lobato and Salvador García, the company has grown its global market presence to a network of 31 offices in 21 countries and more than 1,300 employees.
Throughout its history, the company has received more than 20 international awards, including the Financial Times 1000 Europe's fastest-growing companies 2020 and The Sunday Times Tech Track 100. All these recognitions place Ebury as one of the leading European financial technology companies.
ebury.com