Country Head of Credit Risk

Ebury; Paris; Presencial; EUR 130.000 - 190.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive starting salary

Annual discretionary bonus

Dedicated mentorship

Cutting-edge technology

Clear career progression

Dynamic and supportive culture

Generous benefits package

Central Paris office

Descripción de la vacante

Ebury Paris is seeking a Country Head of Credit Risk to lead the France portfolio, advance underwriting processes, and partner with local leadership. This senior role demands strategic oversight of credit lifecycle from origination to recovery, with emphasis on regulatory liaison and cross-team collaboration to maximize shareholder value.

Hybrid working in Paris with 4 days in the office and 1 day from home, reporting to the Senior Global Credit Risk Management Team and engaging with C‑Suite on

Formación

• Minimum 7+ years credit underwriting experience, preferably in SME segment in France.
• Strong understanding of local accounting principles.
• Experience with collections and litigation processes locally.
• Clear, structured communication and ability to explain complex concepts.
• Direct client interaction experience and issue resolution.
• Understanding of local lending and basic FX products.
• Proven track record building, leading and training credit risk teams and frameworks.

Responsabilidades

• Lead and manage the France portfolio within Credit Risk and liaise with the local leadership.
• Monitor portfolio performance, exposure, delinquencies and risk indicators.
• Oversee underwriting and risk management processes for France.
• Approve exposure limits within delegated authority and present at Credit Committee.
• Collaborate with Front Office and Onboarding/Compliance for a smooth client experience.
• Manage existing clients’ credit standing and assist collections for overdue payments.
• Drive improvements to underwriting practices and expand into new jurisdictions.
• Coordinate with regulators when required and share local insights with regional teams.

Conocimientos

Credit underwriting

Collections experience

Client relationship

FX products understanding

Credit risk leadership

Descripción del empleo

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.

Country Head of Credit Risk

Credit Risk

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

This is a 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 France
• Improve underwriting and credit risk management process for France

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;
• Monitor and report your portfolio performance (lines granted, current exposure, overdue cases, pipeline, opportunities and risk identified etc);
• Liaise with local regulatory authorities if necessary;
• Perform and oversight detailed credit analysis of prospects and clients for the purpose of granting Lending/Business Finance Solutions and 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 and expansion into new jurisdictions.

What you’ll need

Minimum 7+ years credit underwriting experience, preferable in the SME space in France;

A strong understanding of local accounting principles;

Exposure to collections and litigations processes locally to aid management of distressed clients;

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 local lending and basic Foreign Exchange products and services;

Experience of building, leading and training effective Credit Risk Management teams and frameworks along with day to day management and monitoring.

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 Paris Office: A fantastic location with excellent transport links.

You can also connect with me on LinkedIn - Fabienne Zigrit

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 1,800+ 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.