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Job Description
Company Overview:
Seen is a financial technology company working with partners to provide innovative financial products to customers who otherwise do not have access to mainstream financial products. Seen is committed to financial inclusion, delivering exceptional value and customer satisfaction to its customers.
Position Overview:
Seeking a skilled Credit Risk Senior Manager to join our team. The Credit Risk Senior Manager will play a crucial role in assessing, monitoring, and managing credit risk exposure across our portfolio of clients. The ideal candidate will have a strong background in credit risk analysis, excellent analytical skills, and a proactive approach to identifying and mitigating risks.
Responsibilities:
- Risk Assessment: Conduct thorough analysis of credit applications, assessing the creditworthiness of individuals and businesses based on financial statements, credit reports, and other relevant data.
- Portfolio Management: Monitor credit portfolios to identify potential risks and opportunities, implementing strategies to optimize portfolio performance and minimize credit losses.
- Credit Policy Development: Collaborate with senior management to develop and refine credit policies, ensuring alignment with business objectives and regulatory requirements.
- Underwriting Standards: Establish and maintain underwriting standards and guidelines, providing guidance to lending teams to ensure adherence to risk policies and procedures.
- Risk Mitigation Strategies: Develop and implement risk mitigation strategies, including risk pricing, collateral requirements, and credit enhancements, to manage credit exposure effectively.
- Credit Monitoring and Reporting: Monitor credit metrics and key performance indicators (KPIs), preparing regular reports and presentations for senior management to facilitate informed decision-making.
- Compliance and Regulatory Oversight: Stay abreast of regulatory developments and industry best practices related to credit risk management, ensuring compliance with applicable laws and regulations.
- Cross-Functional Collaboration: Collaborate with cross-functional teams, including finance, legal, marketing and operations, to streamline processes and enhance risk management practices.
- Continuous Improvement: Identify areas for process improvement and optimization within the credit risk management framework, driving initiatives to enhance efficiency and effectiveness.
Requirements:
- The ideal candidate has a strong problem-solving mindset, is a great communicator and has in-depth knowledge to formulate strategic recommendations on policies, procedures, and practices.
- 5+ years of experience in consumer lending industry, preferably at a high-growth organization
- Deep knowledge of accounting principles (e.g., IFRS & GAAP) and the ability to interpret and analyze complex financial statements.
- Experience with merchant underwriting across different types of corporate group structures and business models (e.g., eCommerce sellers, marketplaces etc.)
- Strong analytical skills, including proficiency with relevant tools (e.g., Excel, Looker)
- Ability to think critically and creatively, balancing growth, priorities, and risk while adapting to a changing environment.
Why Join Us:
- Opportunity to make a significant impact and drive growth at a fast-growing startup.
- Collaborative and inclusive work environment where your ideas are valued and encouraged.
- Competitive compensation package.
- Comprehensive benefits package includes health, dental, vision, and 401(k) matching.
- Flexible work arrangements and a culture that promotes work-life balance.
More…
Seen values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at Seen.com.
If you're passionate about driving growth, shaping the future of fintech, and making a positive impact on people's financial lives, we'd love to hear from you. Join us in our mission to revolutionize the credit card industry and empower individuals to achieve financial freedom with Seen. Apply now and be part of our journey!
California Residents, please review our California Consumer Privacy Act Notice
More…
Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.
California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice
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What We Do
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