Head of Credit

2 days ago

Noble OK United States Fintechnordics Full time

As Head of Credit, you are responsible for Juni’s credit offering. You will lead our Credit Operations team and ensure seamless collaboration with our Credit Product, Legal, and FP&A teams. You want to tailor underwriting towards our ICP and their business models, leveraging real-time on- and off-platform data to make better credit decisions than conventional lenders in order to provide an unparalleled customer experience while managing and mitigating credit and business risk. In this role, you’ll:

  • Lead our Credit Operations team, including Underwriting, Monitoring & Collections.
  • Monitor and actively improve Credit KPIs - customer time in funnel, funnel conversion, yield, margin, and risk-profile at a customer and portfolio level.
  • Proactively improve our credit-decisioning infrastructure, including case management, risk model, underwriting scorecards, and more, to ensure future scalability and optimal risk assessment processes.
  • Ensure sound and efficient governance within the Credit domain, fit for a bank.
  • Act as a point of contact and leader for the Credit domain - ensuring seamless collaboration with our Credit Product, Legal & FP&A teams.
Tooling ️
  • SQL
  • Microsoft Office
  • Credit decisioning applications (e.g., Noble, Taktile, in-house tools)
  • Credit decisioning data (ERP, storefront, credit bureau data)
  • CRM (e.g., Hubspot, Salesforce)
  • Slack
  • G-suite
What we need to see
  • A bachelor's degree in either Finance or Economics.
  • Excellent understanding of a company’s finances, financial reporting, and risk drivers.
  • An operationally-focused mindset, with an ability to see a problem through to resolution.
What we’d love to see
  • Strong data capabilities and familiarity working in data environments (e.g., SQL, Python).
  • Background in Credit underwriting & operations from a fintech and/or bank.
  • Experience in both operational work as well as portfolio analytics.
  • A strong interest in our vision and creating an unparalleled credit offering.
Your people

We practice a people-first culture. We’re real. We never wait. We care deeply about building a better future for our customers and each other. Here, you can work with people at the top of their game and who didn’t get there by playing games. You can help us create a whole new category in financial services.

Your benefits

We’re freedom-first, transparent, caring, and empowering. So our benefits are too.

  • We work hybrid. We'll see you in one of our offices at least two days per week.
  • Swap 2D for 3D. Meet all Junis IRL at the company onsite each year.
  • Diversity is at our core. We're part Swedish. Part Canadian. Part French. Part Indian. Part Italian. Part British. Part Portuguese. You get the idea.
  • Great players can stay great players. Progress your career whether you choose to manage people or not.
  • Stock options. We can’t promise you’ll make a fortune. But we’ll give it our very best shot.
  • Vacation days. 30 days contractually. Unlimited in policy. Awesome.
  • Global health insurance. You know. Just in case. Therapy & massage included.
  • Get sick? No stress. Feel better with unlimited paid sick leave.
The process

CV screening > Get to know us call > Team interview(s) > Values interview > Offer (for some roles we’ll include a task, but we’ll notify you if this is the case).

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