Credit Risk Manager - Chile

ebury; Santiago; Híbrido; CLP 40.000.000 - 60.000.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Annual discretionary bonus

Mentorship program

Central Santiago Office

Descripción de la vacante

Ebury is seeking a Senior Credit Risk Manager to lead credit risk initiatives in Chile, overseeing the end-to-end lifecycle from origination to recovery. This role sits on the local leadership team and reports to the global credit risk function.

Responsibilities include portfolio management, underwriting improvements, and close collaboration with Front Office and Compliance to ensure optimal client experiences and risk controls.

Formación

• Minimum 5+ years of credit underwriting experience, preferably with SMEs in Chile.
• Strong understanding of local accounting principles.
• Experience with collections and litigation processes locally is a plus.
• Clear, structured communication and ability to explain complex concepts.

Responsabilidades

• Analyze prospects' and clients' creditworthiness for FX exposure limits, focusing on financials and operations.
• Approve exposure limits within delegated authority.
• Present analyses at Credit Committee meetings including C-Suite.
• Manage portfolio and monitor credit risk versus reward.
• Support collections for overdue payments and liaise with stakeholders.
• Improve underwriting practices to drive efficiency.

Conocimientos

Credit underwriting

Financial analysis

Stakeholder communication

Regulatory knowledge

Foreign Exchange

Herramientas

Credit risk software

Descripción del empleo

Credit Risk Manager

Credit Risk

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.

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

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, preferable 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.

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