Manager, Merchant Underwriting

**ABOUT HELCIM**

Helcim was founded with a mission at heart: to be the world’s most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable, we can empower them to grow and prosper. Simply put, helping small businesses thrive is at the very core of our business model, and we think that’s a great way to do business.

From the very start, we knew that we wanted to be different from every other credit card processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another “cost of doing business.” We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money, all while treating them like human beings.

**THE POSITION**
Helcim is searching for a talented and passionate **Manager, Merchant Underwriting & Portfolio Ris**k to join us on our mission to become the world’s most loved payments company.

As our** Manager, Merchant Underwriting & Portfolio Risk**you will lead a team to manage the risk of onboarding new merchants and monitoring our established merchant base to help businesses access our platform for affordable payments. You will use your knowledge to develop and optimize credit strategies, frameworks, and work with cross-functional teams to manage our credit risk at scale while preserving a quality, human focused experience that encourages our customers to grow with us.

**A SUCCESSFUL CANDIDATE**
- Develops the framework and strategies that incorporate our AI products to evaluate and manage merchants boarding and processing on our platform that balances business growth against their risk.
- Owns the performance of the credit risk domain driving continuous improvement in our practices.
- Leads and develops a high performing team of Credit Risk Analysts fostering a culture of excellence, collaboration, and continuous improvement.
- Monitors the performance of our portfolio to proactively identify new risks.
- Defines and executes initiatives in close collaboration with key internal partners across data, product, and software development for improving and iterating how we manage credit risk.
- Helps develop long term plans and a strategy for mitigation of financial risk across our full suite of current and future products.
- Monitors and ensures compliance with organizational, business, strategic, operational, legal, reputation and market risks where applicable.

**KEY COMPETENCIES**
- 5+ years of experience in credit risk management, underwriting, analytics experience acquired in the financial industry, or a related area will be considered.
- Ability to work with the unknown You will need to come up with the frameworks the team requires if they aren't already in place.
- Experienced professional with a proven track record of leading teams that balance operational excellence and business delivery.
- Demonstrated ability to thrive in a fast-paced environment where you’ve had to build processes from scratch and iterate on them based on new findings.
- A Bachelor's degree or higher education in Finance, Economics, or a related field.
- Relevant professional certifications (e.g., CFA, FRM) are a plus.
- Experience and knowledge of credit analysis frameworks, commercial credit underwriting, financial risk modeling, or cash flow forecasting.
- Excellent communication skills, both written and verbal, to effectively convey credit insights and strategies.
- Experience using SQL or other data processing languages is an asset.
- Experience in payments, ecommerce, or the fintech space is an asset.

**HELCIM CULTURE IS;**

**Being builders**:**We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there, invent our way out of problems and we never stop dreaming of better.

**Choosing the harder path**: We believe that the right decisions are usually the harder ones, so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the long-term, and makes us resilient, so that we not only survive but thrive.

**Creating trust**: We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn, easy to lose and is tested continuously over time, so we make trust our way of life.

**Contributing to a company of many**: We are stronger because of our collective passion, diversity, and fellowship. We believe only great teams can accomplish great things, and we ask the very best of each other. Together we create our own future.

**WORKING AT HELCIM**

Joining Helcim means joining a fast-growing company where we have found coming together makes us a strong company. We have a drive to achieve