Director Credit Risk
2 months ago
Helcim is searching for a talented and passionate Director of Credit Risk to join us on our mission to become the world’s most loved payments company.
As a key player in our credit risk function, you will be responsible for shaping and executing the strategy that is the foundation of our payment processing platform. You’ll take a proactive approach to developing a forward thinking strategy, identifying trends and anticipating risks, allowing for preemptive actions to be taken. You’ll leverage data-driven insights to optimize processes. Taking ownership of credit risk outcomes and leading strategic initiatives for the company.
This role collaborates with the credit risk and fraud teams to design and execute mitigation strategies, including underwriting procedures, onboarding processes and chargeback management. In this role you will meld your credit risk expertise with real world processes and data to help us create an efficient, seamless, precise and risk mitigation programme that encourages growth while reducing our exposure.
What You'll Do
- Drive a forward-thinking credit risk strategy.
- Drive innovation in risk management by staying abreast of industry best practices and emerging technologies
- Develop and implement a comprehensive credit risk assessment framework to identify, evaluate, and prioritize risks across the organization.
- Implement controls to manage areas of credit risk.
- Leverage data to track and monitor credit risk exposure across our portfolio, proactively identifying changes in risk indicators.
- Work closely with operational teams to ensure that credit risk management processes are seamlessly integrated into day-to-day operations.
- Lead and mentor a high-performing team of credit risk professionals, fostering a culture of excellence, collaboration, and continuous improvement. Provide guidance, coaching, and professional development opportunities to team members.
- Stay informed about evolving regulatory requirements and industry standards related to credit risk management.
- Serve as an advisor on credit risk within the organization. Clearly communicate risk strategies, findings, and actions to executive leadership and other relevant stakeholders.
You are someone who:
- Understands the need to stay one step ahead in a continuously changing and at times ambiguous risk environment.
- Has experience in lending and can use internal and external data to determine risk tolerance in regards to extending credit.
- Is able to leverage data to develop and optimize credit strategies, including underwriting and customer management strategies.
- Has a thirst for data and a keen awareness of how to use it to prioritize work for the risk teams, detect patterns, and solve complicated puzzles.
- Curates a broad (local, national, global) financial perspective with a keen desire to relate it back to our risk mitigation operations.
- Is a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them.
- Has considerable empathy for our customers - typically small and medium size business owners - who will take a human-centric approach to help solve problems.
- Self-starter that thrives in a fast-paced environment and is experienced in building processes from 0-1.
**Qualifications**:
- Proven experience in credit risk management, bonus if it was with a financial institution.
- Strong strategic thinking abilities, with the capacity to anticipate and proactively address credit risk challenges.
- Data analytical skills, proficiency in SQL is nice to have.
- Previous experience developing underwriting models based on complex risk factors.
- Experience with predictive modeling is considered an asset.
- Excellent communication and leadership skills, with the ability to inspire and motivate teams to achieve ambitious goals.
- 5+ years of relevant experience in credit risk management, lending, or fraud management.
Why Helcim?
Helcim is a payments company that gives small and medium sized businesses a better way to accept debit and credit cards. Thousands of merchants across Canada and the US choose Helcim for their payment needs because of our excellent customer service and innovative software solutions. We won the Canada’s Most Admired Award for Corporate Culture in 2021, ranked number 91 on the Globe and Mail’s 2019 list of Canada’s Top 400 Growing Companies, and we have big plans to redefine the payments industry. To accomplish this, we need a talented team of people who are passionate about working in fintech. Learn more about working at Helcim in our culture book The Way of the Helcim.
At Helcim we build teams of engaged, caring and intelligent people. In return we provide an environment where you’ll be excited to come to work each day and tackle challenges with your colleagues. As part of our team you’ll receive amazing benefits including a competitive salary, paid health benefits, stock options and generous vac
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