Senior Credit Analyst

One platform a whole world of opportunity

The best jobs are often restricted to a few wealthy cities but talent exists everywhere. Oyster set out to change this by launching a global employment platform that enables companies to hire pay and support talent anywhere.

Were proof that a strong engaged culture doesnt require an office. Since January 2020 Oyster has:

Built a distributed team of 400 across 60 countries

Featured in Forbes as #9 in FlexJobs Top 30 Companies for remote jobs

Formed a diverse leadership team and a workforce thats 60% female

Earned top employee engagement scores

Raised $286 million; valued at $1.2 billion

Achieved B Corp status in 2023

Our momentum shows the power of global employment and were just getting started! If you want to help us drive change and work remotely wed love for you to apply!

Location: While this position is posted in a specific location all of Oysters positions are fully remote and you can work from home. Forever. To create the best experience for our new hire this role requires you to be based within 3 / -5 UTC.

Role Summary

As a Senior Credit Analyst within the Corporate Treasury department you will be responsible for managing and mitigating credit risk exposure across the companys portfolio. You will assess counterparty risk set credit limits and work closely with various teams to ensure compliance with risk management policies. You will also play a pivotal role in driving and delivering cross-functional projects aimed at enhancing the companys credit risk management framework. This will involve working closely with internal stakeholders to define project scopes develop strategies and ensure successful implementation of key credit risk initiatives. This role is integral in aligning business objectives with risk management practices to ensure the company operates within its risk appetite.

Key Responsibilities

• Credit Risk Assessment: Evaluate the creditworthiness of counterparties through financial analysis credit ratings and market data.

• Counterparty Limits: Set and manage credit limits in line with the companys risk appetite adjusting based on evolving market conditions.

• Project Management: Define project objectives and deliverables related to credit risk. Create and manage project plans timelines and resources to ensure successful execution.

• Stakeholder Collaboration: Serve as the point of contact between teams (Product Finance Legal Operations) to ensure alignment and clear communication.

• Process Optimization: Identify opportunities for improving credit risk management processes and adopting best practices and new technologies to enhance efficiency.

• Change Management: Lead change efforts ensuring smooth adoption of new processes systems or policies with proper training and support.

• Regulatory Compliance: Ensure all initiatives comply with relevant regulations and internal risk governance frameworks.

• Performance Monitoring: Establish KPIs for credit risk initiatives and monitor outcomes to ensure alignment with business objectives and risk appetite.

• Risk Reporting: Generate and present reports on credit exposures including key risk indicators (KRIs) and trends to senior management. Publish metrics related to bad debt and manage programs related to reduction of bad debt in collaboration with other members of the Treasury team. Prepare and deliver regular reports to senior management on risk exposure.

• Policy Development: Contribute to the enhancement of credit risk management policies to maintain a robust risk management framework.

• Credit Control: Monitor customer accounts to identify outstanding debts proactively contacting clients to resolve payment issues. Escalate customer accounts for Collections in due time. Collaborate cross-functionally with Sales Customer Success and external stakeholders to resolve invoice queries and disputes.

• Collections: Manage the collection process to ensure all relevant stakeholders are made accountable for reducing bad debt. Prepare account statements for customers as part of the collection process.

Core Requirements

• Bachelors degree in Business Finance Economics Accounting or a related field.

• 7 years of credit risk management experience ideally within Corporate Treasury.

• In-depth knowledge of risk governance frameworks

• Strong understanding of credit risk management principles.

• Demonstrated experience in process optimization within credit risk management including implementation of best practices and new technologies

• Excellent analytical communication and presentation skills with the ability to collaborate across multiple departments serve as a key point of contact and drive consensus across teams.

• Proficiency in financial statement analysis and credit risk assessment tools.

• Strong organizational skills and the ability to manage multiple priorities in a dynamic environment.

Youll also need

• A reliable home internet connection (or be able to get one)

• Fluent English language skills

How we work together at Oyster

Our values guide the work we do the decisions we make and the culture that makes us special. We make it happen. We drive change. We build and give trust and we are a united team.

Our mission is to create a more equal world one global hire at a time. Everything we do ladders up to our mission and that doesnt just mean building software. We develop programs participate in workshops and create dedicated teams to ensure we successfully support companies and knowledge workers in this new world of work.

We embrace asynchronous communication and collaborative work and share our practices in the Oyster Public HQ to help other global teams learn from our experiences.

How YOU work

With diverse locations cultures and needs we created How YOU Work; a program supporting your whole human experience at Oyster:

• Work from anywhere: Oyster has no borders or HQ. As long as work is timely your team is supported and youre authorized to work where you live you can work from anywhere.

• Paid time off: Enjoy 40 days off per year (including holidays and vacation) or more if required by your country.

• Mental health support: Access Plumm our mental well-being service.

• Wellbeing allowance: Each month receive a wellbeing allowance in your ThanksBen wallet. Spend it on a wide range of options; see the benefits catalogue for ideas.

• Flexible parental leave: All new parents are eligible for at least three months paid leave with job protection for up to 12 months or as required locally.

• WFH stipend: Receive a stipend for your laptop and home office equipment to get you set up quickly.

The best jobs should be available to everyone

We embrace diverse perspectives and intentionally build our product and company with an inclusive global mindset. We encourage you to apply even if you dont meet every criterion and are committed to a trust-based thriving environment.

Oyster is committed to ensuring equal opportunity of employment for qualified persons with disabilities and actively fosters an inclusive work environment. If you require reasonable accommodations throughout the recruiting process please email with the subject line: Interview Accommodations.

Our available positions are on our careers page. Our team will only contact you from an @ email and we will never ask for money as part of an interview process or job offer. If you receive a suspicious email about Oyster jobs or are directed to a site other than please report it via our Compliance and Ethics Helpline.

Required Experience:

Senior IC