Senior Credit Analyst
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Job Description
Senior Credit Analyst responsible for assessing credit risk at Oyster, a global employment platform. Collaborating across departments to enhance credit risk management techniques.
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 company’s 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.
Requirements:
- Bachelor’s 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.
- A reliable home internet connection (or be able to get one)
- Fluent English language skills.
Benefits:
- Work from anywhere: Oyster has no borders or HQ.
- 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.
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