Credit Risk Manager

🕒 Novembro 2

🐊 Florida – Remoto

🐊 Florida – Remote

⏰ Tempo Integral

🟡 Pleno

🟠 Sênior

👔 Gerente

👻 Score fantasma 12%

O que significa: a chance de ninguém estar realmente contratando para esta vaga.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Por que essa pontuação:

• Aberta há 9 dias.
• Sem salário divulgado.

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iBusiness Funding

SiteLinkedInTodas as Vagas

201 - 500 funcionários

💳 Fintech

💸 Finanças

🤝 B2B

Fintech • Finance • B2B

A iBusiness Funding é uma empresa de serviços financeiros focada em ampliar o acesso ao capital para pequenas empresas e em capacitar bancos e financiadores com ferramentas e suporte Lending-as-a-Service (LaaS). A empresa oferece soluções de empréstimos para pequenos negócios e faz parcerias com instituições financeiras e outros parceiros para ajudar empreendedores a garantir financiamento, com ênfase no crescimento dos clientes e no fortalecimento das comunidades.

Descrição

• Develop and refine credit strategies using application, offer, funding, and portfolio performance data • Optimize lending growth within approved risk appetite and credit performance targets • Identify opportunities to improve application intake, approvals, offer acceptance, closing, and funded-loan pull-through • Assess risk versus return, including expected credit losses, delinquency, defaults, pricing, profitability, and portfolio yield • Perform cohort, vintage, funnel, segmentation, and scenario analyses • Build, update, and maintain Amazon QuickSight dashboards and other BI reporting • Track applications, approvals, declines, offers, closings, fundings, and subsequent credit outcomes • Monitor credit quality trends, vintage performance, delinquency, charge-offs, loss rates, and emerging risk indicators • Partner with Data, Analytics, and Technology teams to improve data integrity, reporting definitions, dashboard automation, and risk insights • Support credit model development, validation, testing, rollout, and post-implementation performance monitoring • Translate business and credit objectives into model requirements, eligibility criteria, score cutoffs, decision rules, risk tiers, and approval strategies • Contribute to model validation, back-testing, challenger testing, segmentation reviews, and assessments of model stability and predictive performance • Establish and implement partner-specific credit models and decision strategies with embedded lending partners • Coordinate partner data requirements, model integration, testing, credit policy alignment, performance reporting, and launch readiness • Monitor partner-level credit outcomes, conversion, concentrations, and risk-adjusted economics • Support investors and warehouse lenders with credit performance analysis, portfolio trends, model performance, loss and vintage reporting, and risk-related inquiries • Partner with Capital Markets and Finance on portfolio eligibility, risk concentrations, performance discussions, due diligence, and credit reporting • Support the design, testing, and rollout of new credit products, lending channels, partner programs, and growth initiatives • Convert credit recommendations into policies, workflows, and decisioning logic with cross-functional teams • Maintain documentation of credit strategy decisions, testing, approvals, and performance • Escalate material trends and help ensure adherence to Risk team parameters and applicable lending requirements

🎯 Requisitos

• Minimum 5 years of experience in credit risk, credit strategy, lending analytics, portfolio management, or a related discipline • Preferably experience in small business or commercial lending • Strong knowledge of lending funnels, underwriting decisioning, portfolio credit metrics, vintage analysis, loss performance, and risk-adjusted return measurement • Hands-on experience developing dashboards and reports using Amazon QuickSight or comparable BI platforms • Ability to interpret large datasets and translate findings into credit action • Working knowledge of credit scoring and predictive models, model validation and monitoring, score cutoffs, policy rules, and implementation into lending workflows • Ability to collaborate with Modeling, Data, Technology, Risk, Capital Markets, Operations, and external lending partners • Strong analytical problem-solving, attention to detail, written communication, and ability to present technical insights to business stakeholders • Bachelor's degree in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, or a related field, or equivalent relevant experience • Optional: experience with small business or commercial credit, embedded finance, partner-originated lending, or multi-lender platforms • Optional: proficiency with BI tools, Python, SQL, and advanced Excel; familiarity with R or other analytical tools a plus • Optional: experience supporting credit model development, independent validation activities, production implementation, and ongoing monitoring • Optional: experience preparing portfolio credit performance reporting for institutional investors, warehouse lenders, or other capital providers • Optional: demonstrated success improving origination conversion and funded volume while maintaining stable credit performance and attractive risk-adjusted returns

🏖️ Benefícios

• Remote work arrangement • Full-time employment

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