At TreviPay, we believe loyalty begins at the payment. Thousands of sellers use our global B2B payments and invoicing network to provide choice and convenience to buyers, open new markets and automate accounts receivables. With integrations to top eCommerce and ERP solutions and flexible trade credit options, TreviPay brings 40 years of experience serving leaders in manufacturing, retail and transportation.
Every day, TreviPay employees are challenged and empowered in a supportive, collaborative, entrepreneurial environment.
As a member of the company’s Senior Risk Leadership Team, the Head of Credit Risk Policy is a highly visible role that serves as a voting member of the company’s Senior Credit Committee and is responsible for leading the development, implementation, and oversight of the company’s credit policy. The ideal candidate will bring a strong foundation in commercial underwriting, a solid understanding of the legal / regulatory landscape in commercial lending, experience in credit policy development and a background in building a robust credit risk management team and framework.
This role requires a self-starter, a highly skilled problem solver, a strong communicator with exceptional customer-facing skills, and a change agent to implement scalable and efficient credit decisioning strategies, tools, and processes that balance the company’s growth and risk appetite. The face-paced and intense environment requires an aptitude for analyzing and interpreting complex information from multiple sources in a timely manner and presenting results and recommendations to executive management. This position requires the candidate to identify and prioritize key initiatives and guide results to meet strict deadlines.
The Head of Credit Risk Policy is expected to closely collaborate with the Global Head of Underwriting and the company’s underwriting teams, as well as Decision Sciences, Legal, Compliance, Collections, and Product. Therefore, it is essential to be an excellent team player with great written and verbal communication skills.
KEY RESPONSIBILITIES
Credit Policy Leadership
oIdentify current state risk management activities and governance structure, lead the formulation of the required / desired state based upon best practices, regulatory requirements, and company’s growth and risk appetite.
oDevelop, document, implement, and maintain comprehensive credit risk policies aligned with the company’s goals. Policies may vary by country, sector, or program.
oRegularly assess policies to reflect business evolution, regulatory changes, or market conditions.
oIdentify opportunities to safely expand credit parameters.
oProvide guidance on policy interpretation and implementation.
oParticipate in internal and external audits related to credit risk aspects of business.
oParticipate, as the policy leader, in the development and expansion of company’s credit risk management infrastructure as well as various enterprise risk management programs.
Quality Assurance and Training
oDevelop and execute training programs for underwriters to maintain consistency, risk alignment, and credit skills development.
oConduct regular audits and quality assessments of underwriter work product.
oWorking with Underwriting Segment Leaders, monitor discretionary credit authority limits of all holders, review their performance, and recommend changes to individual credit limits where appropriate.
Senior Credit Committee Member
oExperienced in holding $5 Million in commercial credit authority.
oSkilled in evaluating the creditworthiness of potential applicants and existing borrowers by analyzing financial data, credit reports, payment histories, as well as understanding sector specific risk trends to determine final credit decisions on larger applicants / households.
Program and Portfolio Assessment
oLead quarterly program and portfolio assessment, working with various stakeholders, for presentation to executive leadership team.
oEnsure compliance with applicable state and federal credit regulations and preparing detailed reports for executive management regarding compliance.
SKILLS AND QUALIFICATIONS
oMBA or bachelor’s degree in finance, accounting, or a related field
o15+ years in commercial underwriting (preferably both large commercial and small business lending) account risk management, loan portfolio risk management, and credit policy
oExcellent business writing skills
oExcellent verbal communication skills
oExcellent skills crafting and delivering executive or client facing presentations
oProject and/or change management experience preferred
oCreative approach to complex problem solving
oAbility to work as part of a dynamic, results oriented team
