Credit Risk Manager – US Corporate and SME Clients

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Pliant

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2020

💳 Fintech

☁️ SaaS

🤝 B2B

💰 $40M Series B - Pliant on 2025-04

Fintech • SaaS • B2B

Pliant is a credit card platform that enables businesses, banks, and fintechs to issue and manage credit cards, automate payments, and optimize spend and accounting workflows. Pliant offers Payment Apps, a Pro API for card issuance and automation, Cards-as-a-Service (CaaS) and Banking-as-a-Service (BaaS) to embed or white-label card programs, plus global accounts, FX and transfers, credit & financing, and compliance and enablement services. It serves corporations, e-commerce, resellers, SaaS companies, travel and marketing agencies, and banks with features like real-time monitoring, spend controls, receipt management, integrations with accounting and expense systems, single-use virtual cards, and API-driven automation. Pliant holds e-money licensing in the EU, issues cards in the UK, is PCI DSS and ISO/IEC 27001 certified, and focuses on B2B payment optimization and embedded finance solutions.

📋 Description

• Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are. • Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude. • Credit decision: Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book. • Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us building scalable yet compliant straight-through processes, including the utilization of AI capabilities. • Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

🎯 Requirements

• Minimum 4 years of operational experience in credit risk assessment for US corporate or SME customers from a bank or fintech. • Strong knowledge of accounting principles and industry-specific financial analysis. CFA or similar qualifications are a strong plus. • Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions. • Experience with tools used for loan processing, credit decisioning, and BI, open banking or accounting. • Project management skills and demonstrated ability to design and steer complex projects end to end. • Determination and desire to work in a team to achieve high-quality results for our customers, even under stress. • Fluent English with very good writing skills. Other European languages are a plus.

🏖️ Benefits

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence • Attractive remuneration and benefits package • Flat hierarchy and transparent communication in a relaxed, professional atmosphere • Opportunity to develop your talent in a dynamic team with ambitious goals • Flexibility and possibility to work remotely • Pliant Card with monthly credit to explore the product and enjoy food with colleagues