Director of Credit

Capchase, recognised as one of Fast Company’s Most Innovative Companies of 2023, enables software companies to offer flexible payment terms to software buyers. We have been acknowledged by Forbes North America’s best startups and also featured among Forbes Next Billion-Dollar Startups 2023. To carry out our mission, we've received $700M+ in equity and debt funding from some of the best fintech investors QED (Nubank, Klarna), 01 Advisors (Tipalti, Master Class), Bling Capital (Airtable, Gitlab, Lyft, Square), SciFI (Stripe, Brex), Caffeinated (OpenDoor, Airtable).

In a little over three years, we’ve provided billions in funding to thousands of companies, expanded operations to ten countries in the US and Europe, and grown our team from four co-founders in May 2020 to 110 Capchasers today.

Since our launch in 2020, we’ve achieved several milestones:

➡ 4K+ software companies onboarded

🙌 Around 100 Capchasers representing over 15+ nationalities

🌎 Active in 10 markets

📈 top-10% YoY growth

👫 Built an awesome culture.

As our Director of Credit, you will play a pivotal role in shaping the future of our business. Reporting to our Co-Founder, COO, you will be responsible for overseeing the entire credit lifecycle, from origination to recovery, ensuring optimal risk management and maximizing profitability.

🚀 What will you do?

• Credit Policy and Risk Appetite: Define and implement a robust credit policy, setting appropriate risk limits and tolerances.
• Portfolio Management: Actively monitor and analyze the portfolio's performance, leveraging data-driven insights to optimize risk-return trade-offs.
• Risk Modeling and Analytics: Develop sophisticated risk models to assess creditworthiness, identify potential risks, and inform decision-making.
• Process Automation: Collaborate with technical teams to automate key processes, improving efficiency and reducing operational risk.
• Vendor and Buyer Relationships: Build strong relationships with vendors and buyers, proactively addressing credit issues and implementing effective recovery strategies.
  
  

🧠 Who are you?

• Proven Experience: 6+ years of experience in B2B risk management, preferably in fintech or a similar high-growth environment.
• Domain Expertise: Deep understanding of B2B financing, payments, credit, or software equipment financing.
• Data-Driven Mindset: Strong proficiency in data science and statistical modeling, with a keen eye for data-driven insights.
• Technical Skills: Experience with SQL and advanced Excel skills.
• Collaboration: Ability to work effectively with cross-functional teams, including data scientists, engineers, and business stakeholders.
• Continuous Improvement: A passion for learning and a commitment to driving innovation in credit risk management.
  
  

If you're a highly motivated individual with a strong analytical mindset and a passion for risk management, we encourage you to apply.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.