Head of Credit Risk

Job Description

Ebury is seeking a Head of Credit Risk to join their team in São Paulo. This role is a key senior position within the Credit Risk function, responsible for the underwriting, oversight, and reporting of Credit Risk exposure and performance of the country subsidiary entity. The Head of Credit Risk will present to the local Board and regulators as required and will manage all stages of the credit lifecycle, from origination to collection and recovery, including liaising with lawyers in the event of litigation.

Responsibilities include:

• Supporting and reporting to the Senior Credit Risk Management Team.
• Monitoring and reporting portfolio performance to the Board and Risk Management Office.
• Liaising with local regulatory authorities.
• Performing detailed credit analysis of prospects and clients.
• Approving exposure limits to individual clients.
• Presenting analysis at credit committee meetings.
• Engaging with Front Office and Onboarding/Compliance teams.
• Managing an existing portfolio of clients.
• Assisting with the collections process.
• Managing own pipeline of work.
• Sharing insights to improve processes and upskill other analysts.

Requirements include:

• A background in credit underwriting, preferably in the SME space, or experience in financial analysis in the Brazil market.
• Exposure to the collections process for overdue payments or clients in arrears.
• A clear, structured, and concise communication style.
• Experience dealing directly with clients.
• A strong understanding of Brazil accountancy principles.
• An understanding of FX markets and associated vanilla products.
• Experience training others and managing a pipeline.
• An ability to work in Excel in a professional setting.
• ABRACAM certification (ABT2) is a plus.

Ebury offers:

• Opportunity to work in a leading global fintech company.
• A culturally diverse and inclusive environment.
• Opportunity to work with enthusiastic, innovative and collaborative teams.