Senior Analyst, Credit Underwriting & Operations at Navan Labs UK Limited

New York, New York, United States -

Full Time

Start Date

Immediate

Expiry Date

09 Jan, 26

Salary

130000.0

Posted On

11 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Underwriting, Operational Excellence, Financial Analysis, Risk Management, Credit Policy Development, Data Analysis, Stakeholder Partnership, Process Improvement, Fintech Experience, B2B Credit, Attention to Detail, Commercial Viability, Customer Experience, Portfolio Monitoring, Analytical Skills, Technology Partnership

Industry

Software Development

Description

Are you a curious credit professional with a knack for both detailed analysis and operational excellence? Join our dynamic team as a Senior Credit Underwriting & Operations Analyst, where your expertise will be pivotal in shaping our credit decisions and optimizing our operational workflows. In this high-impact role, you will be a front-line expert, blending deep underwriting skills with a drive to improve and automate processes. You'll partner closely with key stakeholders across Sales, Account Management, Finance and Engineering to ensure our underwriting decisions are sound and our credit processes are seamless and scalable. What You’ll Do: Underwrite commercial credit requests using financial and bank statements, funding/ investment history, commercial credit bureau data and macro/ industry data Monitor the credit quality and performance of our portfolio and our risk management policy/ process and provide periodic insights to finance leadership Support the continuous evolution of our policies both from a risk management and from a commercial viability and customer experience standpoint Work closely with sales, account management, operations and other internal teams to manage credit-related workflow and liaise with customers where necessary to perform diligence Partner closely with our internal and external technology partners to continuously driven improvement and innovation in our credit risk management tech stack What We’re Looking For: 3+ years of commercial credit underwriting, ratings or related functional experience 1+ years of credit operations experience including system implementation and financial model preparation Hands-on experience in development of credit risk management policy and expertise in credit approval framework and policy Experience in leveraging internal portfolio, macroeconomic, industry and external data in the development of risk appetite frameworks, credit policies and forward-looking forecasts Very strong analytical experience Commercial card, B2B credit and or travel industry credit risk management is a plus Strong partnership skills and proven success in working with business partners in sales, client management, product and operations Hands-on experience in a fintech/ startup environment Analytics experience in working with financial and/ or transactional data Attention to detail and ability to execute on workflows The posted pay range represents the anticipated low and high end of the compensation for this position and is subject to change based on business need. To determine a successful candidate’s starting pay, we carefully consider a variety of factors, including primary work location, an evaluation of the candidate’s skills and experience, market demands, and internal parity. For roles with on-target-earnings (OTE), the pay range includes both base salary and target incentive compensation. Target incentive compensation for some roles may include a ramping draw period. Compensation is higher for those who exceed targets. Candidates may receive more information from the recruiter. Pay Range $62,250—$130,000 USD

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Responsibilities

Underwrite commercial credit requests and monitor the credit quality of the portfolio. Collaborate with various internal teams to manage credit-related workflows and improve credit risk management processes.