Senior Credit Risk Leader – US SME & Corporate (Remote)

Motive Partners; United States; Hybrid; USD 150,000 - 190,000; Full time

Benefits offered by this job

Remote work flexibility

Pliant Card monthly credit

Job summary

Pliant is a modular B2B payments platform enabling card issuing, accounts, FX and spend management. We are seeking a Senior Credit Risk Manager to own credit risk assessment for US SME and corporate clients, manage a book of exposures, and contribute to improving standards, docs and tech stack.

You will work closely with the CRO and cross-functional teams including Sales, Legal, Operations, Product, Data and Risk to build scalable, compliant processes and leverage AI capabilities.

Qualifications

• Minimum 6 years of operational experience in credit risk assessment for US corporate and SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis.
• CFA or similar qualifications are a strong plus.

Responsibilities

• Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
• Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
• Credit decision: Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book.
• Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you present to the credit risk committee.
• Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us building scalable yet compliant straight-through processes, including the utilization of AI capabilities.
• Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

Skills

Credit risk assessment

US corporate & SME

Analytical thinking

Financial analysis

BI

Open banking

Project management

English writing

Education

CFA or similar qualifications

Tools

BI tools

Open banking platforms

Accounting software

Job description

Pliant is a modular B2B payments platform enabling card issuing, accounts, FX and spend management. We are seeking a Senior Credit Risk Manager to own credit risk assessment for US SME and corporate clients, manage a book of exposures, and contribute to improving standards, docs and tech stack.

You will work closely with the CRO and cross-functional teams including Sales, Legal, Operations, Product, Data and Risk to build scalable, compliant processes and leverage AI capabilities.