Credit Risk Manager

**Overview**
Are you ready to join an agile, diverse, and global team of innovators in redefining the B2B payment space for startups and SMEs in emerging markets? Tribal Credit is built for companies looking for a better way to pay business expenses and optimize their financial management. We provide modern payment methods like multi-currency physical and virtual business Visa cards and a powerful spend management platform to track and control expenses—all in one seamless interface.
Our founders are serial entrepreneurs who have launched startups both in emerging markets and the U.S. We're backed by leading international investors, including SoftBank, QED Investors, BECO Capital, Global Ventures, Endeavor Catalyst, Endure Capital, and OTG Ventures. We're also part of the Visa Fintech Fast Track program among an elite group of fintechs.
This position is 100% remote, based in Brazil, and will report to the Credit Director.
**As the Credit Risk Manager you will...**
- Underwriting/evaluating new customer opportunities. Engage with colleagues and customers to achieve successful credit relationships.
- Identify and incorporate new insights into the credit operating policies and risk models. Develop tracking processes and analyses to optimize portfolio monitoring.
- Produce sound commercial risk decisions within assigned Delegated Authority levels; and propose recommendations for approval by executive level management for exposures exceeding your authority with properly documented and well-formulated rationale covering all aspects of credit risk.
- Minimize credit losses by executing appropriate strategies and processes to accurately identify and mitigate high risk customers with deteriorating financial concerns. Manage complex credit risk cases through work-out scenarios, partnering with internal stakeholders as well as direct communication with client senior executive level management.
- Evaluate customer business models to understand and properly evaluate potential liability / exposure of the merchant relationship based upon payment terms and product / service delivery timeframes as well as any relevant dependencies from suppliers and third parties.
- Establish and maintain strong working relationships with stakeholders including sales leaders, business partner leadership teams, both internal and external. Serve as primary liaison with key relationships including financial institution partners, clearing bank relationships, and clients.
**Who You Are**
- 5+ years of experience as a credit underwriter or analyst at a top tier financial institution.
- Understanding of fundamentals of credit risk for small business and commercial credit with passion for identifying novel approaches to credit risk being top of class in terms of analytical ability, deductive reasoning, and the ability to understand business financials.
- Experience in architecting, implementing, and interpreting risk/scoring models in conjunction with data science teams, having the ability to utilize resources, such as existing bank lenders, lending guides, and team members to get answers to tough questions.
- Experience in meeting with a company's leaders to better assess a company's credit risk, able to work efficiently and understand the intricacies of credit criteria, moving with urgency to get customers credit approved as quickly as possible while being able to work both independently and as part of the team.
- Fluent in Portuguese and English required
- Agile, flexible, and responsive approach to work.
- Enthusiastic, positive, friendly and a great sense of humor
**Benefits**
- 100% employer paid healthcare insurance for team members and family.
- 13th month salary.
- Food Vouchers.
- Unlimited time off and all public holidays.
- Allowance for home office equipment.
- Headspace subscription.
- Highly supportive team culture.
- 100% remote, flexible work environment.
- Market-competitive salaries.
- Top-notch project management, productivity, and team engagement tools.
- Unlimited learning resources, and much more.
**Our Values**
- **Passionate about creating value**: We experiment with new possibilities, to effect positive change for the world around us.
- **Devoted to high standards**: We don't merely do the work, we strive for excellence, precision, and mastery at what we do.
- **Proactively learning and growing**: We're curious and passionate about learning and growing.
- **Human-centered**:We put people's welfare at the center of everything we do.
- **Candid, open, connected**: We work in perfect sync powered by open, continuous communication and feedback.
**Equal Employment Opportunity & Privacy Statement**
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