Credit Risk Manager - Chile

Ebury; Santiago; Hybrid; CLP 42,000,000 - 70,000,000; Full time

Benefits offered by this job

Annual bonus

Mentorship

Modern technology tools

Career progression

Collaborative culture

Benefits package

Central Santiago Office

Job summary

Ebury’s Santiago Office seeks a senior Credit Risk Manager to lead credit underwriting and risk management for the Chile portfolio. This role sits on the local leadership team and focuses on underwriting, risk controls, and process improvements across the credit lifecycle.

Responsibilities include oversight of exposure limits, collaboration with Front Office and Compliance, and direct engagement with clients to manage risk and opportunities in FX-related activities.

Qualifications

• Minimum 5+ years credit underwriting experience, preferably in SME space in Chile.
• Strong understanding of local accounting principles.
• Exposure to collections and litigations processes locally is desirable.
• Clear, structured communication with ability to explain complex concepts clearly.
• Experience dealing directly with clients and resolving issues.
• Understanding of basic Foreign Exchange products in your market.

Responsibilities

• Report to and support the Senior Global Credit Risk Management Team.
• Perform detailed credit analysis of prospects and clients for FX exposure limits.
• Approve exposure limits within a delegated authority matrix.
• Present analyses at Credit Committee meetings with senior management.
• Collaborate with Front Office and Onboarding/Compliance for a smooth client experience.
• Manage an existing client portfolio and monitor credit risk vs reward.

Skills

Credit underwriting

Local accounting principles

Collections & litigation processes

Clear communication

Client management

FX products

Job description

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.

If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.

Credit Risk Manager

Credit Risk

Ebury Santiago Office - Hybrid: 4 days in the office, 1 day working from home per week

Role

This is a new and key senior role within the Credit Risk function and member of the local leadership team requiring an ambitious individual with the experience and ability to:

• Manage and optimise existing portfolio in Chile
• Improve underwriting and credit risk management process for Chile

The successful candidate will be responsible for all stages of the credit lifecycle from origination through to collection and recovery including liaising with lawyers in the event of litigation, along with supporting the local leadership team in maximising existing and identifying new opportunities to deliver increased shareholder value.

What You’ll Do

• Report to and support the Senior Global Credit Risk Management Team;
• Perform detailed credit analysis of prospects and clients for the purpose of granting Foreign Exchange exposure limits with a focus on entity financials, trading cycles and operations;
• Approve exposure limits to individual clients within a matrix of delegated authority;
• Present and defend your analysis personally at Credit Committee meetings to senior management, including C-Suite;
• Engage closely with other teams, specially Front Office and Onboarding/Compliance, 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 versus reward for Ebury;
• Assist with the collections process for overdue payments and communicate decisions with relevant parties;
• Proactively manage your own pipeline of work, along with taking responsibility to ensure the wider team’s SLAs are met;
• Liaising with analysts and managers across other regions, sharing best practices and adding local insights where necessary;
• Proactively seek to improve existing and implement new underwriting practices to enable improved efficiency.
• Monitor and report, both to the Board and to the Risk Management Office, your subsidiary’s portfolio performance (lines granted, current exposure, overdue cases, pipeline, etc);
• Liaise with local regulatory authorities if necessary.

What You’ll Need

• Minimum 5+ years credit underwriting experience, preferably in the SME space in Chile;
• A strong understanding of local accounting principles is a must;
• Exposure to collections and litigations processes locally to aid management of distressed clients is desired;
• A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
• Experience of dealing directly with clients, one on one, and resolving issues;
• An understanding of basic Foreign Exchange products and services in your market.

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Santiago Office: A fantastic location with excellent transport links.

About Us

Ebury delivers sophisticated, integrated solutions - business accounts, hedging, and financing - on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally.

Since its founding in 2009, Ebury has always been a fast-growing leader in fintech. Today, we bring together 2000+ Eburians across nearly 70 cities and we’re always looking to add to our team.

At the heart of our offering is a proprietary platform, purpose-built to help businesses seamlessly streamline and manage global cash flow. We focus on continuous product evolution and innovation to build the infrastructure for borderless growth and help our clients scale at every stage.

The opportunities at Ebury are as diverse as our people, ranging from business development to engineering roles across our tech pillars.

We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.