What we stand for is delegated company spending. And on the face of things, that might not sound exciting. But, to our customers and us, it really is. We believe that the way that work works today is outdated. We think companies can delegate to their employees more - to support their autonomy and show them trust. To speak to this, we provide smart credit cards for businesses. No more expense reports, no more out-of-pocket spending. This puts trust in employees so that they can buy what they need when they need it. Future of work stuff, you know?
What’s more, we’re passionate about investing in our people, our processes and our product offerings, which is why we’ve recently launched our Credit domain. Domains are autonomous areas of the business made up of cross functional teams that are responsible for tackling particular problems or opportunities that enable our vision.
The credit domain empowers users with better cash flow and ensures they can rely on Pleo for their most critical spending needs. The domain aims to create end-to-end ownership of Credit products and capabilities. We own the design of credit products, risk and financial appetite, revenue model, and infrastructure that is required to deliver it.
By learning from customers’ spending behaviours, we can predict when a customer needs credit at the moment, which is most needed by companies. It also allows us to set the credit terms that fit best their needs. We see credit both as a product and as a set of capabilities that will help us unlock more value in other products across Pleo.
For us to do this successfully, we’re looking for someone to take control of collections and portfolio monitoring, to minimize our losses and ensure we can continue to offer customers the best version of the Pleo product.

YOU WILL ALSO BE RESPONSIBLE FOR:

• Underwriting applications for large credit facilities which don’t fall within our automated solutions
• Feeding into our credit risk strategy, as well as all relevant processes for the team and its members
• Providing business requirements to Product Managers and Operations Managers, automating manual processes and achieve higher efficiency
• Maximizing our recovery rate and minimizing our loss rates
• Analyzing the health of our portfolio, identifying where decisions we make or processes we follow require improvement

WE BELIEVE YOU’LL THRIVE IN THIS ROLE IF YOU:

• Well experienced in underwriting, credit risk management within lending or credit control, in the SME space (as opposed to consumers)
• Ideally have experience using SQL and PowerBI
• Have monitored performance of portfolios of debt before, optimized for recovery and repayments
• Have devised or assisted devising a collection strategy for your team/company
• Are able to constantly improve credit risk management frameworks and policies to optimize default rates