COMPANY DESCRIPTION

Etsy is the global marketplace for unique and creative goods. We build, power, and evolve the tools and technologies that connect millions of entrepreneurs with millions of buyers around the world. As an Etsy Inc. employee, whether a team member of Etsy or Depop, you will tackle unique, meaningful, and large-scale problems alongside passionate coworkers, all the while making a rewarding impact and Keeping Commerce Human.

KEY RESPONSIBILITIES:

• Strategy & Vision: Define and execute the overall strategy for identifying, assessing, and mitigating credit risk for Etsy merchants. Develop a comprehensive roadmap for the Credit Risk Vertical, aligning with broader Trust & Safety and company objectives.
• Team Leadership & Development: Lead, mentor, and grow a team of risk analysts. Foster a culture of continuous learning, innovation, and collaboration within the team. Responsible for performance management, career development, and hiring for the Credit Risk Vertical.
• Risk Identification & Assessment: Develop and implement sophisticated models, tools, and processes to identify merchants at risk of non-payment. This includes leveraging data analytics, behavioral patterns, and financial indicators to proactively assess creditworthiness and predict potential losses.
• Mitigation & Recovery Strategies: Design and implement effective strategies to mitigate credit risk exposure and minimize financial losses. This may include, but is not limited to, developing tailored interventions, payment plan options, or other preventative measures for at-risk merchants. Collaborate with internal teams on potential recovery efforts.
• Policy & Process Development: Establish clear policies, procedures, and guidelines for managing seller credit risk. Ensure compliance with internal standards and external regulations.
• Cross-Functional Collaboration: Partner closely with other teams within Trust & Safety (e.g., Fraud, Account Integrity and Security), Product, Engineering, Analytics, Legal, Finance, and Seller Support to ensure a holistic approach to risk management and a seamless merchant experience.
• Performance Monitoring & Reporting: Define key performance indicators (KPIs) for credit risk, monitor performance, and provide regular reporting to leadership on risk exposure, mitigation effectiveness, and financial impact.
• Innovation & Continuous Improvement: Stay abreast of industry best practices, emerging trends in credit risk management, and new technologies. Continuously seek opportunities to optimize processes, improve models, and enhance the overall effectiveness of the Credit Risk Vertical.