Location
We would like you to work from our office in London a couple of 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 B2B Buy Now, Pay Later 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 of enabling 1 million businesses to access a better way to pay.
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.
This role is a unique opportunity to learn the nuts and bolts of technology startups and financial services and build a well-rounded skill set alongside a team of experienced business leaders.
We are looking for someone who can learn quickly, grow and make an impact. You will work collaboratively with internal and external teams including Risk & Data AnalyticsCredit & Fraud Underwriting, Product and, Tech and Data Science to optimise the risk trade-offs of our various B2B partnerships. If you thrive in a diverse, fast-moving environment and enjoy building positive relationships, we want to hear from you.
In this role you will;
Collaborate with our Tech and Business Intelligence teams to create and improve ways to monitor portfolio risk
Run end-to-end portfolio risk management; detect trends early, analyse the root cause of non-payment or fraud, propose and implement solutions
Identify predictive variables that can be used in underwriting rules to optimise our risk decisions
Continuously monitor and optimise our underwriting and pricing decisions at partnership and portfolio levels
Work with our Sales and Ops team on risk assessing and pricing new deals to support negotiation strategies
Collaborate with Customer Success and Product teams to ensure understanding of risk performance metrics and successful Merchant launches
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:
A degree in STEM or other numerical subjects
~3 years experience in managing risk underwriting and pricing analysis
Proven analytical skills using SQL, Google Sheets or Excel for data extraction, manipulation and visualisation
Excellent verbal and written communication skills
Strong organisational skills with the ability to multitask
Comfortable in a fast-paced and tech-driven startup environment where change is constant
A strong work ethic with keen attention to detail
A commercial mindset, curious, creative and can take initiative
Nice to have:
Coding experience in Python
Experience working with data visualisation tools
Prior work experience within payments, finance or banking
An additional European language
Interview Process
Intro, company fit and run through career history with the Talent team - 15-30 minutes - Video Call
Live Pen and Paper Case Study with the Hiring Manager - 60 minutes - Video Call
Competency and team fit interview with the Hiring Manager and the VP Credit & Fraud Risk- 60 minutes - Video Call
Meet the team and Co Founder - Circa 90 minutes - Face 2 Face
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 highly 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 abroad each calendar year
🏥 Health Insurance
👶 Enhanced Parental Leave
🌴 Yearly offsites and other company socials: Previously, we have been to Malta & Majorca, as well as regular meetups in London and Paris.
🧓 Pension: (we know this is not really a benefit - but we get asked a lot about pension contributions) Employer contribution of 3% and individual contribution of 5% based on qualified earnings.
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.
