Manager, Commercial Underwriting & Portfolio Management

In this role, you will underwrite commercial credit requests, monitor portfolio credit quality, and contribute to the development of risk management policies. You will work closely with internal teams and customers to manage credit workflows, ensuring alignment with business objectives. We are looking for a candidate with 5+ years of experience in credit underwriting and portfolio analytics, strong risk management skills, and the ability to collaborate across functions.

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 

What We’re Looking For:

• 5+ years of commercial credit underwriting, ratings or related functional experience (collections, portfolio monitoring, financial planning etc.)
• 2+ years of holistic commercial card portfolio analytics experience including credit performance and quality, yield/ profitability, provision management etc.
• 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
• Analytics experience in working with financial and/ or transactional data 
• Attention to detail and ability to execute on workflows