Risk Manager at SunFi Technology Limited

About the Role

• The Finance team’s purpose is to ensure that the business is financially sound and sustainable so that we can continue to provide our Distributed Energy Provider partners with the tools they need to scale their businesses, and ultimately our customers with a delightful energy experience. We are working to simplify clean energy access and increase the adoption of reliable, affordable, and innovative clean energy sources.
• The Risk Manager will evaluate the credit risk of businesses and individuals applying for payment plans with SunFi, by providing an independent credit review and risk assessment of applications. The Risk Manager will also be responsible for ensuring the SunFi portfolio maintains a low default rate by monitoring payments, delinquent and defaulting customers, monitoring trends in macroeconomic conditions and portfolio composition, and performing risk management of the growing portfolio of payment plans. The Risk Manager will also be expected to initiate and execute projects that improve SunFi’s existing processes and to innovate and add long-term value to the company and role. This position will work closely with the finance staff and other team members across the company to prepare presentations and reports that provide the Head of Finance and Executive Leadership with actionable insights on credit risk, trends, and risk management of the payment plan portfolio.
• This role is ideal for self-starters who possess a can-do attitude and are eager to learn, grow, and go above and beyond to drive and deliver quality results and outcomes with speed and deliver delightful experiences to our customers and internal stakeholders.
• This is a highly pivotal role at the company and has lots of growth opportunities.

Job Responsibilities:

• Participate in business calls and/or customer meetings with external parties and prepare documentation on such meetings
• Initiate and execute special projects
• Complete all necessary department reports accurately and timely
• Track and monitor relevant data points
• Maintain databases with accurate and timely information
• Analyze information and prepare payment plan analysis reports as assigned
• Prepare new applications or renewal/extension of requested payment plans
• Complete evaluation of collateral materials
• Utilize financial software and other internal methods to analyze payment plan information
• Utilize tools from outside sources when conducting credit and industry analysis
• Perform work following department work processes and ethics standards
• Perform due diligence on existing files as needed
• Follow all SunFi policies, procedures, compliance, and security practices
• Identify opportunities to innovate and add long-term value and take initiative to execute
• Perform risk management of our processes and the payment plan portfolio
• Perform ad-hoc tasks as assigned by the Head of Finance and Executive Leadership
• Collaborate with the technology teams and other teams to improve SunFi Technology and processes
• Build models to analyze portfolio payment plan performance
• Conduct cohort analysis on payment plan portfolios
• Attendance in and value creation in meetings
• Demonstrate consistent proficiency of the SunFi technology platform and processes
• Manage insurance programs
• Management and analysis of payment plan data
• Cohort analysis for SunFi payment plans
• Leadership and People Development:
• Support efforts to collaborate with the company’s leadership to train SunFi talent.
• Supports the development of SunFi and Credit Risk Team OKRs and KPIs, including individual KPIs within the credit team.
• A focus on value creation for the company, not task orientation.
• Display and exercise business leadership practices within the company and with stakeholders.
• Support the recruitment, management, mentorship, and development of the Credit Risk team to innovatively and competently deliver the results required of the team.
• Responsible for performance management, training needs analysis and optimization of the team’s personnel.
• Evaluate, and where possible, build thought leadership within SunFi that enhances the company culture and values.
• Conduct weekly informal check-ins with all team members. These are unstructured scheduled meetings in which your team member and you can discuss areas of your interest, professional or personal. Emphasis should be placed on relationship-building
• Runs meetings on the Credit Risk Team with the coaching and support of your Manager, and the Head of the department.
• Advocates for the SunFi culture including ensuring team members use video as much as possible during meetings. You must be exemplary.

Reporting

• Responsible for structuring and communicating key feedback to Technology, Growth, Platform Finance, and other stakeholders
• Responsible for mastering the SunFi Technology Platform
• Responsible for Credit Risk reports on a daily, monthly, quarterly, and annual basis on performance, strategies, OKRs, KPIs, developments, challenges, and other key requirements
• Responsible for recommending and leveraging the right tools for reports and developing insights

Attributes & Skills

• Risk Management Skills
• Proven Analytical Skills
• Demonstrates functional, technical, and credit expertise with a high degree of due diligence and effectively transfers this knowledge to team members
• Expert-level understanding of payment plan policy and reporting needs
• Demonstrates strong leadership and management potential
• Strong technical expertise with loan tape or portfolio management software
• Effectively manages competing deadlines for projects and credit presentations, in a high-pressure work environment, with appropriate delegation
• Strong financial modeling skills
• Proven Relationship Management Skills
• Proven risk assessment skills
• Time Management Skills
• Proven Collaboration and Negotiation Skills
• Demonstrated Leadership Skills
• Business Continuity and Financial Knowledge
• Exceptional analytical skills, detailed documentation and sound judgement
• Demonstrated excellence in developing effective but aesthetically pleasing, error-free presentations and written communication
• Excellent oral communication skills
• Demonstrated experience in identifying business credit risks and recovery strategy
• Demonstrated experience and comfort executing customer management initiatives across various customer bases

Technology Skills:

• Technical knowledge of all of SunFi’s products & services/ General knowledge of products in the industry
• Technology experience with Credit Risk platforms and tools
• Demonstrated experience collaborating with Technology and Sales teams to build a better product and deliver delightful customer experiences
• Start-Up or Fast Paced environment experience

Soft Skills and Collaboration Skills:

• Strong Emotional Intelligence
• Strong Collaboration skills
• Good decision-making skills
• Open-mindedness
• Proven Results Orientation
• Ability to think strategically
• Problem Solving skills
• Attention to detail
• Ability and willingness to learn
• Positive attitude
• Strong interpersonal skills and exceptional emotional intelligence (developed by working in similar or relevant roles)
• Ability to multi-task and take on additional responsibilities in line with the vision of the team
• Exceptional written and verbal communication skills, with the ability to communicate effectively with customers, SunFi employees, and outside service providers

Qualifications:

• BSc/HND holder (in Accounting or related course)
• 3+ years experience in credit risk or related analytical field
• ICAN/ACCA/CFA optional
• Proficient using computers
• Proficient in Microsoft Office (emphasis on Word, Excel & PowerPoint)
• Advanced knowledge of Excel and modelling - ability to perform data analysis on large datasets ideal and build models
• Advanced knowledge of Google suites and software

Benefits

• Comprehensive Family/Personal Healthcare
• Flexible Access to Salary and Employee Support Facilities
• Employee Power Program
• Learning and Growth Opportunities
• Amazing colleagues and a great work culture
• Team Bonding and a chance to build a world-class Clean Energy FinTech!