Credit Risk Manager – SME

Job not on LinkedIn

September 26

🗽 New York – Remote

Although this job is listed in New York, this company may be open to hiring remote in other states.

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

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Pliant Plastics Corporation

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Manufacturing • Healthcare • Automotive

Pliant Plastics Corporation is a company specializing in custom plastic injection molding solutions, providing innovative products and services since 1967. With a strong focus on engineering, advanced technology, and collaboration, Pliant supports customers from design to production, ensuring high-quality outcomes in various sectors including automotive, medical, and food and beverage. Their capabilities encompass techniques such as two-shot molding, insert molding, and additive manufacturing, all performed within an ISO-certified cleanroom environment to meet stringent quality standards.

51 - 200 employees

Founded 1961

📋 Description

• Underwrite and manage credit risk exposure to commercial customers across the United States. • Evaluate credit applications across various segments and document key risks and mitigants with recommendations. • Decide on limit requests within delegated authority and structure exception cases aligned with risk appetite. • Contribute to design of decision engines incorporating financial ratio scoring and behavioral/transactional signals. • Monitor cohorts, track industry/sector/regional trends to identify early-warning indicators and concentration risks; propose exposure adjustments and implement risk actions. • Support automation of underwriting processes by identifying signals and translating them into rules and decision logic. • Identify and mitigate abuse and fraud by reviewing identity, ownership, operating model and structure using public records and financial information; document findings. • Improve operational workflows, work across IT systems, and optimize data pipelines and decision flows. • Draft and maintain clear documentation on credit decisions and processes to ensure compliance and governance. • Partner with Sales, Account Managers, sponsor banks, lenders and engage with customers to clarify ownership structures, financial reporting, or business operations.

🎯 Requirements

• 3–5 years of hands-on SME credit underwriting or credit risk management at a bank, fintech, or specialty lender in the US. • Strong knowledge of US underwriting material; credit bureau files, open banking data, ERP connectors, and financial accounting. • Direct experience with US SME credit underwriting, including familiarity with fraud detection techniques and red flags in lending, such as transaction-data or pattern-based analysis. • Familiarity with SME credit governance practices, including collateral, liens, personal guarantees, and UCC filings. • Analytical thinking, attention to detail and the ability to quickly understand new problems and systems while developing solutions. • Excellent written communication; produces audit-ready credit documentation and clear policy updates. • Experience with IT systems used for loan processing and credit decisioning, API connectors, decision engines and data aggregation tools; familiarity with SQL or Python is a plus. • Determination and desire to work as part of a team to achieve high-quality results for our customers.

🏖️ Benefits

• Competitive salary and performance-based incentives • An influential role shaping U.S. market growth at an international fintech • Opportunities for professional growth and ownership from day one • A remote-friendly environment with support for work-life flexibility • Health, wellness, and retirement benefits • Access to a diverse and ambitious team driven by impact, innovation, and transparency