Director, Credit Risk

Clearco is the leader of AI, data-driven ecommerce funding and has advanced over $2.5 billion in dilutive capital to over 10,000 businesses. Our revolutionary Invoice Funding product allows entrepreneurs to fund their expenses-including marketing and inventory-without giving up cash flow so they can plan for the future.What your day-to-day will look like:

Play a leadership role in enhancing Clearco's risk management processes and practicesConduct reviews of Clearco customers to reach credit decisions and develop and refine detailed risk frameworks for these decisionsUndertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholdersTest and refine specific financial metrics and ratios Clearco uses in its financial statement analysis to enhance the efficiency and accuracy of Clearco's underwriting process Maintain expert knowledge of and adherence to Clearco's internal financial underwriting framework, authorization limits and escalation processesBuild positive relationships and trust among key stakeholders. Influence and serve as a risk advisor to Clearco leadershipConducting regular, ongoing analysis of the Clearco portfolio in order to identify risks and assist with the development of action plans for remediationYou will thrive if you have:

Graduated from an analytics, business, accounting, economics, or finance program7+ years of finance, credit underwriting, consulting, commercial banking, private equity, analytics, or investment banking experiencePrior experience underwriting SMB credit, preferably at a commercial bank or comparable lending platformExtensive knowledge of and experience in financial underwriting, credit analysis, investment operations and/or risk managementA passion for diving deep into company data and conducting thorough financial statement and credit analysisExperience leading and motivating high-performing teamsStrong analytical abilities to simplify sophisticated problemsExcellent communication, interpersonal, and collaboration skillsConfidence in building and presenting training modules on finance and risk managementStrong ability to write reports and conduct statistical analysis with clear recommendations Sound knowledge of general compliance requirements as they relate to privacy, know-your-customer and anti-money laundering protocolsA results-oriented mindset, with a passion for exceeding goals, and a proven track record of successWhat we offer:Working with a passionate and supportive team, and finding a sense of belonging in the #ClearcrewCompetitive salaries and incentives, plus comprehensive health and dental insuranceA tech stipend to create your ideal work-from-home environmentMental health support and professional development opportunities in a culture that emphasizes work-life balance and transparencyThe chance to participate in high-impact work at a mission driven organizationFertility, hormonal health, and family-forming benefitRRSP MatchingClearco is an equal-opportunity employer. We celebrate our inclusive work environment and welcome members of all backgrounds and perspectives to apply. At Clearco, we're committed to developing and upholding an inclusive, transparent, and comfortable environment for all. We create a space where every voice, perspective, and idea is heard and acknowledged. We embrace differences and know that our diverse team is our strength and what drives our innovation.

Clearco is committed to developing a barrier-free recruitment process and work environment. If you require any accommodation, please let us know and we'll work with you to meet your accessibility needs.

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