Sr Credit Risk Manager

| Dallas-Fort Worth, TX
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About Fundbox

Fundbox is a financial platform for small businesses. The company is on a mission to unlock growth for small businesses by providing fast and easy access to financial tools and working capital solutions. Fundbox has connected with over 325,000 businesses, unlocked over $2.5B in working capital, and invested $100M into its AI platform, gaining deep insights into the small business ecosystem.

We were recently selected as one of the top 250 Fintechs out of 17,000 Fintechs and Startups in the industry.  

Fundboxers (as we like to call them) join our amazing team due to our mission of empowering small businesses to realize their full potential with the help of Fundbox.

We offer incredible benefits including:
  • Competitive Compensation, including equity with Fundbox in the form of restricted stock units
  • Generous PTO policy to include vacation, sick time and more
  • Monthly lunch budget
  • Total wellness benefits, including individual annual budget, mental and physical health resources and more
  • Personal and professional development budget 
  • Stipend to improve your home office setup 
  • Premium coverage for health plans offered from day one (some options covered at 100% for Employees)
  • 401k, Life insurance and disability benefits

Let’s not forget, we were recently certified by Great Place to work with an employee satisfaction rate of 94%.

Job Description 

We build financial technology to help more business owners succeed. Our goal is to revolutionize the business economy by evolving how funding flows.

The Credit team at Fundbox owns underwriting, pricing, loan performance and Collections and has direct customer-level P&L responsibility. The team is responsible for driving lending margins by making important business decisions.  In this early position on our Credit team, you will have an opportunity to have a unique opportunity to not just develop high impact recommendations, but also help set and drive the agenda for the Credit team.

In this role, you will:
  • Set and drive the agenda to improve new customer underwriting (approve/decline, credit line assignment and pricing) as well as drive customer management strategies (credit line increase & decrease, retention, repricing etc.)
  • Develop solid understanding of segment level valuations to develop optimal policies at segment level, and help key partners in Marketing, Finance and BD adopt a consistent, profitability-based approach.
  • Partner with Data Scientists to communicate business needs, provide inputs during model building and to leverage new risk models in underwriting
  • Juggle multiple priorities in a fast-paced environment through effective communication with peers, customers and executives.
  • Help in hiring, coaching, developing and managing new analysts
You should have:
  • At least 4 years of experience in performing and leading credit analysis in consumer lending businesses (credit cards, auto loans, unsecure loans etc.)
  • Ability to identify opportunities, develop analytical framework and perform and manage analyses with high degree of autonomy and accuracy
  • Strong sense of ownership and business orientation
  • Strong technical skills - SQL and/or other databases, R/Python, Excel modeling/VBA
  • Able to communicate insights clearly and succinctly (written and verbal)
  • Experienced using Tableau or other software for data exploration & visualization is strongly preferred
  • BS / MS in a quantitative discipline (Computer Science, Mathematics, Statistics or Engineering), preferred.
Diversity and Inclusion at Fundbox

Fundbox is proud to be an equal opportunity workplace as we know that diverse teams produce the best work. We are committed to building a culture of innovation and inclusion across gender, race, age, sexual orientation, religion, disability, and identity. Here at Fundbox, we strive to uphold a system of values we call MOSAIC: Mission, Ownership, Speed, Achva (a Hebrew term meaning to help one another), Innovation, and Clarity. Embracing our diverse backgrounds and abilities allows us to harness our creativity and achieve more, together.

Applicants for Sr. Credit Risk Manager must be currently authorized to work in the United States on a full-time basis without the need for employer sponsorship. Fundbox will not hire any applicants who require employer sponsorship for a non-immigrant visa for this position.


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Technology we use

  • Engineering
  • Product
    • JavaLanguages
    • PythonLanguages
    • SQL AlchemyLibraries
    • PandasLibraries
    • DjangoFrameworks
    • FlaskFrameworks
    • Vue.jsFrameworks
    • React NativeFrameworks
    • RabbitMQFrameworks
    • GunicornFrameworks
    • MongoDBDatabases
    • MySQLDatabases
    • RedisDatabases
    • SnowflakeDatabases
    • ConfluenceManagement
    • JIRAManagement
    • Google WorkspaceManagement

An Insider's view of Fundbox

How would you describe the company’s work-life balance?

We work hard, but Fundbox is not a place where success and work is put above everything else. I feel my contributions are valued, but my mental health and overall well-being are valued above that.

Abby

Account Specialist

What makes someone successful on your team?

We encourage initiative, collaboration and ownership. Someone who is successful on our team is a person who sees a high-value problem worth fixing, takes the initiative to lead a project to solve this problem and works collaboratively with other functions to resolve the issue.

Marten

Chief Financial Officer

What are Fundbox Perks + Benefits

Culture
Volunteer in local community
We know the value of community, and we encourage our employees to volunteer both as a team and on their own. We offer employees yearly paid time off to volunteer for a recognized charity, cause, or no
Friends outside of work
Eat lunch together
Intracompany committees
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Diversity
Unconscious bias training
Diversity manifesto
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Team workouts
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Company sponsored family events
Vacation & Time Off Benefits
Generous PTO
Paid Volunteer Time
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Free Daily Meals
Stocked Kitchen
Happy Hours
Parking
Recreational Clubs
Fitness Subsidies
Home Office Stipend for Remote Employees
Professional Development Benefits
Lunch and learns
Cross functional training encouraged
Promote from within
Continuing Education stipend
Time allotted for learning
Customized development tracks

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