Credit Risk Officer at SeedStars Academy

Why work at invoizPAID ?

• We have a successful business model that’s scaling rapidly
• Be part of a small and ambitious team - we’re always learning, and continuously improving
• You’ll take a key position in the business and lead it to success
• You’ll thrive in our results-driven culture and be positioned to create tremendous impact
• You’ll work with talented teammates who know how to have fun while delivering for our customers

Why you'll fit in ?

• You like digging into the details to solve tough problems
• You are resourceful, creative and most importantly self-motivated
• You are a structured thinker, able to break down tough problems into meaningful components
• You are a people's person and good with all kind of different mentalities and backgrounds

Job Details

• Credit Risk Officer needs to understand all risks – from the economic to the political – that could affect our business model, and offering guidance to all parts of the business. Provide effective value adding risk management in achieving the asset growth targets, while maintaining a quality lending book within the ambit of our policies and guidelines.

Key Responsibilities/Accountabilities

• Lead the credit risk assessment and manage day-to-day operations
• Think outside the box and create innovative credit evaluation processes and systems
• Identify and approve the small businesses that can best benefit from our services
• Evaluate clients for credit worthiness based our internal risk models & their application information
• Weed out fraudulent applications, and unreliable applicants
• Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts
• Build relationships and communicate with similar businesses to ensure information and knowledge sharing
• Continuously ensure alignment/compliance to the credit risk management framework
• Continuously analyse and recommend improvement on credit risk management framework, processes and systems

Your profile

• Minimum of Bachelor's degree
• Preferably Institute of Bankers Diploma or a B.Com degree
• Minimum 3+ years working experience in Financial Sector (Banking, Accounting, Tax, Legal, etc.) whereof minimum 1+ year being in credit
• Previous experience with credit risk, invoice discounting or financial operations is a plus
• Dependable, positive and detail-oriented with excellent follow-through skills
• Leadership potential & interest
• Have a desire to help small businesses
• A team player, a quick thinker and a fast learner
• Superior verbal and written communication skills
• Excited about growing your career within a rapidly growing company
• Able to learn and adapt rapidly

Knowledge:

• Knowledge of regulatory requirements
• Credit management skills
• Scenario planning skills
• Process understanding
• Risk awareness
• Banking process skills

Skills Required:

• Risk management skills
• Credit risk management skills
• Credit assessment skills
• Selling skills
• Business modelling skills
• PC literacy (Excel is a must!)

Benefits and perks

• Exposure to cultures and ecosystems from over 60 countries within Seedstars ecosystem
• Build your network in emerging markets of tech entrepreneurs and investors
• Join a young, passionate, hungry and growing team of entrepreneurs & facilitators
• Bootstrap salary (open compensation model available based on experience, location, seniority, etc...)