Manager, Commercial Credit Risk - Europe
On-siteLondon, England, United Kingdom
Job Summary
Underwrite commercial credit requests using financial statements, funding history, and macro/industry data while leading execution and continuous improvement of credit operations across Europe. Own ongoing monitoring of portfolio performance to identify emerging risks, drive evolution of underwriting policies and approval frameworks, and leverage automation to improve underwriting efficiency. Serve as a trusted advisor on complex commercial credit opportunities by partnering with Sales, Account Management, and Customer Success to evaluate deals and resolve credit issues. Balance analytical rigor with commercial judgment to make sound decisions within delegated authority while influencing both individual credit decisions and the systems behind them.
Required Qualifications
- Experience underwriting businesses across multiple European jurisdictions
- Strong understanding of differences in financial reporting, bureau data and local business practices
- 5+ years of commercial credit underwriting, ratings or related functional experience
- Hands-on experience in development of credit risk management policy
- Expertise in credit approval framework and policy
- Proven ability to manage competing priorities and make sound decisions in a high-volume, fast-paced environment
- Experience in leveraging internal portfolio, macroeconomic, industry and external data in the development of risk appetite frameworks, credit policies and forward-looking forecasts
- Very strong analytical experience
- Hands-on experience in a fintech/ startup environment
- Analytics experience in working with financial and/ or transactional data
- Demonstrated ability to balance strategic thinking with operational execution in a fast-paced environment
Desired Qualifications
- Multilingual fluency
- Commercial card, B2B credit and or travel industry credit risk management
Hiring someone like this?
Get your role in front of qualified candidates on Sorce.