Head of Credit Risk

Ebury is a leading global fintech company that empowers businesses to trade and grow internationally. It offers a comprehensive suite of products, including international payments and collections, FX risk management, trade finance, and API integrations. Founded in 2009 by Juan Lobato and Salvador García, Ebury is one of the fastest-growing global fintechs, with over 1,700 employees and 38 offices in more than 25 countries.
**The Role**
This is a key and senior role within the Credit Risk function with responsibility for the underwriting, oversight and reporting of Credit Risk exposure and performance of the country subsidiary entity, including presenting to local Board and regulators as required.
You 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.
**Your Specific Responsibilities**
- Support, and report to, the Senior Credit Risk Management Team;
- 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;
- Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
- Approve exposure limits to individual clients up to your 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 our other geographies to add insight or assist where necessary;
- Share your thoughts to improve our processes and upskill other analysts.
**About You**
We don't conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:
- A background in credit underwriting, preferably in the SME space, or experience in financial analysis in the Brazil market;
- Exposure to the collections process for any overdue payments or clients in arrears;
- 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;
- A strong understanding of Brazil accountancy principles;
- An understanding of FX markets and associated vanilla products;
- Experience of training others and managing a pipeline;
- An ability to work in Excel in a professional setting.
- ABRACAM certification (ABT2), is a plus.
**At Ebury Bank we value diversity in all its forms and are committed to creating an inclusive environment. All of our vacancies are open and eligible for people with disabilities.**
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**About Us**
**Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.**
Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 25 countries worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Bucharest to Toronto, we enjoy sharing team experiences and celebrating success across the Ebury family.
Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.
None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.
- We believe in inclusion. We stand against discrimination in all forms and have no tolerance for 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 because we want you and your uniqueness to help write our future._

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