What are the responsibilities and job description for the Credit Risk Manager position at Podium?
At Podium, our mission is to arm every local business with a complete platform and outcome-driven AI employees that convert leads into real, paying customers. Every day, millions of workers use our AI lead conversion and communication platform to help them get more leads and make more money.
Our work and focus on helping local businesses thrive has been recognized across the industry, including Forbes' Next Billion Dollar Startups, Forbes' Cloud 100, the Inc. 5000, and Fast Company's World's Most Innovative Companies.
At Podium, we believe in fostering a culture that thrives on hiring and developing exceptional talent. Our operating principles serve as a compass, guiding daily behavior and decision-making, and ensure we hire people who will thrive at Podium. If you resonate with our operating principles and are energized by our mission, Podium will be a great place for you!
The Role
As the Credit Risk Manager, you'll play a critical role in managing Podium's credit risk exposure within our payments and lending products for local businesses. You'll develop, implement, and monitor credit risk policies, work cross-functionally to enhance underwriting models, and ensure a balanced approach to growth and risk mitigation. This role requires expertise in credit risk management, strong analytical skills, and a deep understanding of local business needs and behaviors.
Key Responsibilities
- Develop and Monitor Credit Risk Policies : Design, implement, and monitor credit risk policies and strategies tailored to Podium's suite of payments and financing products.
- Underwriting and Risk Scoring : Collaborate with data science and product teams to create and refine underwriting models and risk scoring mechanisms that are both scalable and adaptable for local businesses.
- Portfolio Risk Management : Analyze portfolio performance, monitor risk indicators, and ensure that risk exposure remains within acceptable parameters. Identify trends, issues, and opportunities to mitigate risk.
- Cross-Functional Collaboration : Work closely with Product, Engineering, Compliance, and Customer Success teams to align risk management practices with product development, legal requirements, and customer satisfaction goals.
- Reporting and Compliance : Ensure compliance with regulatory requirements, prepare regular risk assessment reports, and present findings to senior leadership.
- Risk Mitigation Strategies : Develop and implement risk mitigation strategies, including credit loss forecasts, reserve calculations, and collection processes.
Qualifications
Benefits :
Podium is an equal opportunity employer. Podium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, national origin, sexual orientation, gender identity or expression, age, disability, genetic information, marital status or veteran status.
