Senior Underwriter and Risk Analyst

Summary

Join Pleo's Credit domain as a credit risk professional and contribute to the future of work. You will be responsible for collections, portfolio monitoring, and minimizing losses. The role involves underwriting applications, feeding into credit risk strategy, providing business requirements, maximizing recovery rates, and analyzing portfolio health. You will work with cross-functional teams to automate processes and improve efficiency. Pleo offers a unique work environment with a focus on employee autonomy and trust. The company values diversity and inclusion and offers a range of benefits.

Requirements

• Well experienced in underwriting, credit risk management within lending or credit control, in the SME space (as opposed to consumers)
• Have monitored performance of portfolios of debt before, optimized for recovery and repayments
• Have devised or assisted devising a collection strategy for your team/company
• Are able to constantly improve credit risk management frameworks and policies to optimize default rates

Responsibilities

• Underwriting applications for large credit facilities which don’t fall within our automated solutions
• Feeding into our credit risk strategy, as well as all relevant processes for the team and its members
• Providing business requirements to Product Managers and Operations Managers, automating manual processes and achieve higher efficiency
• Maximizing our recovery rate and minimizing our loss rates
• Analyzing the health of our portfolio, identifying where decisions we make or processes we follow require improvement

Preferred Qualifications

• Curious by nature & love solving for inefficiencies
• Happy to empower those around them
• Love the detail, you often spot things that other don’t
• Razor sharp when it comes to your work but also fun to work with

Benefits

• Your own Pleo card (no more out-of-pocket spending!)
• Lunch is on us - with catering in our Lisbon office 🍜
• Private health insurance to ensure you’re fit in body and mind to do your best work
• In Portugal, we offer 25 days of holiday + your public holidays
• For our Cash Flow Operations Team, we offer full flexibility around working from home
• Option to purchase 5 additional days of holiday through a salary sacrifice
• Wellbeing days - fully paid days off designed for a slower pace, allowing you to take time to recharge and prioritise self-care
• We’re trialling MyndUp to give our employees access to free mental health and wellbeing support with great success so far ❤️‍🩹
• Access to LinkedIn Learning - acquire new skills, stay abreast of industry trends and fuel your personal and professional development continuously
• Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work 👶
• All of us have a stake in Pleo’s success - ask us about our equity grant scheme