Country Head of Credit Risk

Ebury is a hyper-growth FinTech firm, named in 2021 as one of the top FinTech's to work for by Glassdoor and AltFi. We offer a range of products including FX risk management, trade finance, currency accounts, international payments and API integration.

**The Role**

**Your Specific Responsibilities**
- Support, and report to, the Senior Credit Risk Management Team;
- Monitor and report, both to the Board and to the Risk Management Office, your subsidiary's portfolio performance (lines granted, current exposure, overdue cases, pipeline, etc);
- Liaise with local regulatory authorities if necessary;
- Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading
cycles;
- Approve exposure limits to individual clients up to your delegated authority;
- Present and defend your analysis personally at credit committee meetings to senior management, including C-Suite;
- Engage closely with other teams, specially Front Office and Onboarding/Compliance, to ensure a smooth client experience and that decisions made within the Credit Risk team are
relayed clearly;
- Manage an existing portfolio of clients, monitoring their credit standing and risk versus reward
for Ebury;
- Assist with the collections process for overdue payments and communicate decisions with
relevant parties;
- Proactively manage your own pipeline of work, along with taking responsibility to ensure the
wider team's SLAs are met;
- Liaising with analysts and managers across our other geographies to add insight or assist
where necessary;
- Share your thoughts to improve our processes and upskill other analysts.

**Your Background**

We don't conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:

- A background in credit underwriting (10+ years), preferably in the SME space, or experience in financial analysis in the Swiss market;
- Exposure to the collections process for any overdue payments or clients in arrears;
- A clear, structured, and concise communication style with the ability to explain complex
concepts in a coherent way;
- Experience of dealing directly with clients, one on one, and resolving issues;
- A strong understanding of local accountancy principles;
- An understanding of FX markets and associated vanilla products;
- Experience of training others and managing a pipeline;
- An ability to work in Excel in a professional setting.

**About Us**

**Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.**

Founded in 2009, we are headquartered in London and have more than 1300 staff with a presence in more than 20 countries worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Bucharest to Toronto, we enjoy sharing team experiences and celebrating success across the Ebury family.

Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.

None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.
- We believe in inclusion. We stand against discrimination in all forms and have no tolerance for the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story because we want you and your uniqueness to help write our future._