Credit Risk Analyst

4 months ago

Vancouver, Canada VoPay International Inc. Full time

**About VoPay International Inc.**

VoPay is a leader in payment innovation, digitizing direct bank payments with speed and transparency. The VoPay Platform enhances how businesses initiate and accept financial transactions using a single, open API. At VoPay, we have one goal: to eliminate all payment inefficiencies, so businesses can focus on what they do best in today’s digital economy.

**The Opportunity**

The scope of the position consists of but is not limited to using your knowledge of credit risk assessment to help inform our credit decisions, build our credit processes, and work with our talented developers to create underwriting models for automated based decision-making. You’ll help with our merchant account credit reviews and create workflows that guide our underwriting team through credit risk mitigation processes in their day-to-day work.

**Duties and Responsibilities**
- Create and iterate credit risk models for new customer onboarding and rolling credit models for established customers.
- Oversee and conduct day to day customer creditworthiness reviews, including review of financial statements, credit reports and corporate entity registrations.
- Monitor accounts and transactions to identify unusual behaviour in online businesses.
- Conduct thorough analyses of counterparties' financial health, creditworthiness, and overall risk exposure.
- Assess and quantify potential risks associated with counterparties, ensuring compliance with regulatory standards and internal risk policies.
- Adjust credit models to reflect trends in our processing activity and real-world events that could impact the financial health of our customers, and mitigate our exposure to those risks.
- Establish close relationships and work with key internal and external partners across product, software development, machine learning, business teams and third-party suppliers (data and credit bureaus) to develop strategies for improving and iterating how we manage credit risk.
- Help develop long-term plans and strategies for the mitigation of financial risk across our full suite of current and future products.
- Monitor and ensure compliance with organizational, business, strategic, operational, legal, reputation and market risks where applicable.

**Skills and Qualifications**
- 5+ years of experience in a similar role.
- Experience in and knowledge of commercial credit best practices and tools (including data/credit bureau products) for business entity verification and credit management, with a proven ability to distill into repeatable, scalable processes.
- A fundamental understanding of client onboarding and ongoing monitoring, preferably within the payments industry.
- Experience in payments is an asset.
- Relevant certification (e.g., CAMS, CFCS, FRM, CPA) or progress towards is an asset.
- Excellent, values-driven, decision-making ability, with solid experience in credit, financial risk modeling, and cash flow forecasting.
- Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies.
- Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across various industries.
- Solid understanding of card network rules, anti-money laundering (AML) requirements, including Know Your Customer (KYC) and Payments Industry standard compliance.
- Be adept at distilling complicated concepts into understandable workflows and coaching teammates in their use.
- Excellent communication skills, both written and oral, combined with strong interpersonal skills.
- Strong time-management and organizational skills.

Pay: $60,000.00-$75,000.00 per year

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