Senior Credit Risk Manager - US Corporate and SME Clients (m/f/d)

ABOUT US

Pliant is a modular B2B payments platform that combines commercial card issuing, payment accounts, FX, and spend management in one system - adapting to existing setups rather than requiring customers to replace them.

Businesses across industries such as travel, e-commerce, and insurance use Pliant to manage complex payment workflows with cards, backed by credit lines Pliant underwrites itself.

Fintechs and software platforms embed Pliant's payment infrastructure into their own products, from API-based Cards-as-a-Service to fully white-label solutions. Banks use Pliant's Card & Spend OS, the customer-facing interface, on their own infrastructure to run card programs.

Founded in 2020 and headquartered in Berlin, Pliant serves 5,000+ businesses and 40+ partners across Europe and the United States. A principal member of Visa and Mastercard, Pliant issues commercial cards in 13 currencies across 32 countries - under its own European e-money license and with licensed partners in the UK and US.

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ABOUT THE ROLE

As Senior Credit Risk Manager you are responsible for credit risk assessment of our US SME and corporate clients. You will own a book or significant credit exposures. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack.

You will work closely with our CRO, and colleagues from Sales, Legal, Operations, Product, Data and Risk teams.

WHAT YOU'LL DO

Your daily tasks include:

• Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
• Underwriting : Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
• Credit decision : Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book.
• Risk ownership : You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you present to the credit risk committee.
• Innovation : You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us building scalable yet compliant straight-through processes, including the utilization of AI capabilities.
• Communication : You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

WHAT YOU'LL BRING

• Minimum 6 years of operational experience in credit risk assessment for US corporate and SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis. CFA or similar qualifications are a strong plus.
• Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.
• Experience with tools used for loan processing, credit decisioning, BI, open banking and accounting.
• Project management skills and demonstrated ability to design and steer complex projects end to end.
• Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.
• Fluent English with very good writing skills. Other European languages are a plus.

WHAT WE OFFER

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
• Attractive remuneration and benefits package
• Flat hierarchy and transparent communication in a relaxed, professional atmosphere
• Opportunity to develop your talent in a dynamic team with ambitious goals
• Flexibility and possibility to work remotely
• Pliant Card with monthly credit to explore the product and enjoy food with colleagues

Pliant is an equal opportunity employer. We welcome applications from people of all backgrounds, identities and abilities, and are committed to an inclusive hiring process. If you need any accommodations during the interview process, please let us know.
At Pliant we use the Ashby AI Criteria to assist with looking over resumes against our job qualifications for this role. All final decisions are made by our Talent Team and Hiring Team.

A human is behind these processes. Ashby does not automatically reject candidates or make final hiring decisions. Our teams review all results and make the final hiring decision with every candidate that applies.