Credit Risk Lead

📋 Description

• Lead underwriting of complex, high-risk merchant apps across key verticals, aligning with policy.
• Exercise credit approval within defined thresholds; review analyst recommendations for consistency and quality.
• Perform end-to-end credit analysis including financial statement review and risk-driver evaluation.
• Serve as primary escalation point for nuanced or high-exposure deals; provide clear guidance.
• Guide analysts on complex cases to raise underwriting quality and decision consistency.
• Partner with Sales, Product, and Risk to structure viable solutions with risk controls.

🎯 Requirements

• Underwriting expertise in complex/high-risk merchants; assess financial performance, models, and risk drivers.
• Independent credit decisioning; ownership and sound judgment in high-stakes or ambiguous situations.
• Industry experience in high-risk verticals such as Travel, Airlines, or other high-ticket industries.
• Analytical capability to interpret financial statements and credit data for risk assessments.
• Cross-functional partnership with Sales, Product, and Risk to enable viable, controlled decisions.
• Coaching and influence to improve underwriting quality and consistency.