Credit Risk Manager

Credit Risk Strategy, Underwriting & Decisioning:

• Develop and implement credit risk assessment models, underwriting guidelines, and risk scoring mechanisms for invoice financing and revenue-based financing products
• Own and oversee end-to-end credit underwriting for borrowers, ensuring compliance with internal policies and FSRA regulatory guidelines
• Develop quantitative and qualitative risk assessment models to analyze financials, cash flows, and repayment behavior of the borrower
• Lead credit committee discussions, articulating risk assessments and recommendations on financing approvals

Portfolio Risk, Performance Monitoring & Reporting:

• Conduct stress testing, scenario analysis, and sensitivity modeling to evaluate portfolio resilience
• Build dynamic exposure management models, optimizing capital allocation based on risk-return trade-offs
• Partner with Sales & Business Development to structure financing solutions that align commercial growth with risk control
• Collaborate with Product & Tech teams to refine digital loan origination and underwriting workflows
• Engage with the Data Science team to build automated data driven credit evaluation, analysis and decision engines for scalability

Reporting:

• Ensure all credit risk policies and reporting standards are aligned with FSRA regulatory requirements
• Assist in developing key risk indicators (KRIs) and portfolio benchmarks for strategic decision-making
• Prepare high-quality reports and presentations for executive leadership, audit committees, and board meetings
• Provide data-driven insights on portfolio performance, risk exposure, and credit quality trends