Merchant Credit Manager at PalmPay

Job Summary:

• We are seeking an experienced and results-driven Merchant Credit Manager to lead the development and management of credit facilities for PalmPay's merchant partners.
• The Merchant Credit Manager will play a pivotal role in driving financial growth and ensuring that our merchants have access to the credit solutions they need.

KEY RESPONSIBILITIES:

Credit Facility Development:

Team Leadership:

• Build, lead, and mentor a high-performing team of credit analysts and credit sales officers.
• Set clear performance goals and provide ongoing guidance and feedback.
• Foster a collaborative and innovative team culture.

Credit Product Development:

• Collaborate with the product development team to design and refine credit products tailored to merchant needs.
• Continuously assess market trends and competition to enhance credit offerings.

Credit Risk Management:

Credit Assessment:

• Oversee credit risk assessment processes, including financial analysis and credit scoring.
• Ensure thorough due diligence in evaluating merchant creditworthiness.

Policy Development:

• Develop and implement credit policies and procedures in compliance with regulatory guidelines.
• Monitor and adjust credit policies to mitigate risk effectively.

Relationship Management:

Merchant Engagement:

• Build and maintain strong relationships with merchant partners.
• Provide guidance and support to merchants regarding credit options and financial education.

Stakeholder Collaboration:

• Collaborate with cross-functional teams, including sales, operations, and compliance, to optimize credit processes and deliver excellent service to merchants.

Reporting and Compliance:

Performance Monitoring:

• Monitor the performance of credit facilities and the portfolio's health.
• Provide regular reports and insights to senior management.

Regulatory Compliance:

• Ensure compliance with all relevant regulatory requirements and reporting.

QUALIFICATIONS AND SKILLS:

• Bachelor's degree in finance, business administration, or a related field (Master's degree is a plus).
• Proven leadership experience in credit operations or credit risk management.
• Strong analytical and financial assessment skills.
• Excellent interpersonal and communication abilities.
• Knowledge of fintech credit products and market dynamics.
• Familiarity with regulatory requirements related to credit operations.