Senior Credit Risk Manager, B2B Lending
I am currently working with a leading e-commerce and fintech company is looking for a Senior Credit Risk Manager to manage the credit performance of its B2B lending portfolio. This role focuses on credit risk management, policy development, and portfolio monitoring for small and medium-sized business customers.
The ideal candidate will drive credit strategy across the customer lifecycle, refine automated decisioning processes, and improve risk monitoring systems. Additionally, this person will collaborate with underwriting teams on complex credit decisions and identify innovations to enhance both risk management and the customer experience. Strong experience in commercial credit risk management, proficiency in SQL and Python, and the ability to balance risk and business growth are key to success in this role.
Key Responsibilities:
- Manage the credit strategy throughout the customer lifecycle and during economic fluctuations.
- Define policies and product features to support credit decision-making.
- Lead improvements in credit adjudication and performance monitoring platforms.
- Create efficient and scalable workflows, systems, and standard procedures.
- Work with other teams to make decisions on complex credit situations and create solutions for customers.
- Monitor key metrics to ensure the health of the lending portfolio and making necessary adjustments.
Basic Qualifications:
- At least 6 years of experience, with a strong background in managing commercial/SMB/B2B credit risk
- Bachelor's degree or equivalent education (MBA, CFA, or Master's degree preferred)
- Advanced proficiency with Microsoft Office applications
- Skilled in SQL and Python, with experience processing complex datasets
- Experience handling complex projects involving multiple stakeholders
Preferred Qualifications:
- Experience managing credit risk for unsecured lending portfolios
- Diverse experience with credit and external partnerships
- Experience in new business development, bridging internal processes and external data
- Well-grounded in credit, possibly from established companies moving to FinTech
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