Credit Risk Analyst
Credit Risk Analyst
Employer Active
Job Alert
You will be updated with latest job alerts via email
Share
Job Alert
You will be updated with latest job alerts via email
Job Description
ABOUT HELCIM
Helcim was founded with a mission at heart: to be the worlds 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 thats a great way to do business.
From the very start we knew that we wanted to be different from every payment 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 Credit Risk Analyst to join us on our mission to become the worlds most loved payments company.
As our Credit Risk Analyst you will focus on refining our credit risk frameworks processes and guidelines with the goal of minimizing our exposures associated with both new customer onboarding as well as ongoing monitoring/rolling underwriting with our established customers. The challenge should you choose to accept it is to help us develop the aforementioned credit framework that manages our credit risk at scale while preserving a quality human focused experience that encourages our customers to grow with us.
This is an exciting opportunity to become an integral part of the risk management team at a highgrowth fintech company changing the payments landscape. You will use your knowledge of SMB credit risk to help inform our credit decisions build our credit processes and work with our talented developers to create underwriting models for machine based decision making. Youll help with account credit reviews and create workflows that guide our Trust and Safety team through credit risk mitigation processes in their daytoday work.
In this role you will meld your commercial credit expertise with real world processes to help us create and run an efficient seamless precise financial risk mitigation programme that encourages customer growth while reducing our risk.
Here are the things youll own day to day:
- Build and implement strategies based on credit risk models for new customer onboarding as well as rolling credit models for established customers.
- Oversee and conduct day to day customer credit reviews including review of financial statements credit reports and corporate entity registrations.
- Develop and iterate Trust and Safety team guidance/workflows for working through credit risk events.
- Devise a list of tools for navigating credit inquiries with atrisk customers.
- 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.
- Monitor and ensure compliance with organizational business strategic operational legal reputation and market risks where applicable.
A SUCCESSFUL CANDIDATE
- Has considerable empathy for our customers typically small and medium business owners who will take a humancentric approach to help solve problems.
- Is obsessed with staying one step ahead in a continuously changing and ambiguous risk environment.
- Curates a broad (local national global) financial perspective with a keen desire to relate it back to our credit risk models and mitigation operations.
- Is a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them.
- Loves using data to solve complicated puzzles.
- Selfstarter that thrives in fastpaced environment.
- Can use systems thinking to create a unified risk framework alongside our Fraud and Compliance teams.
- Is a People Person first you know that behind possible risks its a human first.
KEY COMPETENCIES
- Experience and knowledge of commercial credit best practices and tools (including data/credit bureau products) for both business entity verification and credit management with a proven ability to distill into repeatable scalable processes.
- An excellent valuesdriven decision maker with experience in credit and financial risk management.
- The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies.
- Knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries.
- Excellent communication skills both written and oral combined with strong interpersonal skills.
- Adept at distilling complicated concepts into understandable workflows and coaching teammates in their use.
- Strong timemanagement and organizational skills.
- Experience in payments is an asset but not required if youre a whiz in credit we can teach payments.
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 longterm 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 fastgrowing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth opportunities for faster career growth for more learning more impact and accelerated experience all while surrounding yourself with incredible people working on interesting problems and delivering great results.
Here are some of the reasons we attract such great people:
The Way of the Helcim: At Helcim we build a team of engaged caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcims unique culture and environment in our culture book The Way of the Helcim.
Health and dental benefits: Through our Group Benefits youll get access to dental benefits extended healthcare benefits for vision paramedical coverage (e.g. massage therapists dieticians mental health professionals) counseling health service navigation life insurance critical illness and disability insurance and more. All of these benefits come into effect on Day 1 of employment!
Dedicated Health Spending Account (HSA): An additional budget available for you to spend on healthrelated expenses (e.g. eyeglasses therapy).
Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for nonbirthing parents.
Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member not just people leaders and executives receive equity (aka ownership in the company).
Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.
Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore our core hours give team members flexibility to manage other parts of their lives.
Training: Helcim will cover 50 of the applicable training costs of up to $500 per year.
LOGISTICS
Job type: Fulltime
Hiring manager: Jenny Raza
Location: Hybrid In Office Mondays Wednesdays Fridays
Candidates must be eligible to work in Canada and be located in Calgary for this position.
Required Experience:
Manager
Employment Type
Full-Time
