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TreviPay · 5 months ago

Head of Credit Risk Policy, Senior Director

United States

Full-time

Remote

Senior Level, Lead/Staff, Director/Executive

15+ years exp

TreviPay is a global B2B payments and invoicing network that empowers sellers and buyers through choice and convenience. The Head of Credit Risk Policy will lead the development and oversight of the company's credit policy, collaborating closely with various teams to implement effective credit decisioning strategies while balancing growth and risk. This role requires strong leadership in credit risk management and the ability to communicate effectively with executive management and stakeholders.

Data ManagementFinancial Services

Growth Opportunities

Responsibilities

Identify current state risk management activities and governance structure, lead the formulation of the required / desired state based upon best practices, regulatory requirements, and company’s growth and risk appetite

Develop, document, implement, and maintain comprehensive credit risk policies aligned with the company’s goals. Policies may vary by country, sector, or program

Regularly assess policies to reflect business evolution, regulatory changes, or market conditions

Identify opportunities to safely expand credit parameters

Provide guidance on policy interpretation and implementation

Participate in internal and external audits related to credit risk aspects of business

Participate, as the policy leader, in the development and expansion of company’s credit risk management infrastructure as well as various enterprise risk management programs

Develop and execute training programs for underwriters to maintain consistency, risk alignment, and credit skills development

Conduct regular audits and quality assessments of underwriter work product

Working with Underwriting Segment Leaders, monitor discretionary credit authority limits of all holders, review their performance, and recommend changes to individual credit limits where appropriate

Experienced in holding $5 Million in commercial credit authority

Skilled in evaluating the creditworthiness of potential applicants and existing borrowers by analyzing financial data, credit reports, payment histories, as well as understanding sector specific risk trends to determine final credit decisions on larger applicants / households

Lead quarterly program and portfolio assessment, working with various stakeholders, for presentation to executive leadership team

Ensure compliance with applicable state and federal credit regulations and preparing detailed reports for executive management regarding compliance

Qualification

Commercial underwritingCredit policy developmentCredit risk managementFinancial analysisProject managementBusiness writingVerbal communicationPresentation skillsProblem solvingTeam collaboration

Required

MBA or bachelor's degree in finance, accounting, or a related field

15+ years in commercial underwriting (preferably both large commercial and small business lending) account risk management, loan portfolio risk management, and credit policy

Excellent business writing skills

Excellent verbal communication skills

Excellent skills crafting and delivering executive or client facing presentations

Creative approach to complex problem solving

Ability to work as part of a dynamic, results oriented team