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Director of Credit

Location: San Francisco (San Francisco)         posted: 10.05.20

Juul Labs Inc. has an opening in San Francisco, CA for:

Job Title: Director of Credit          

Job Description: Identify and control the Company’s credit risks, ensure high quality credit risk assessment. Implement and further develop the Credit Risk Framework (analytics, policies, processes) and develop internal credit risk ratings. Manage the Commercial Credit Insurance program. Develop and deploy credit underwriting and pricing strategies. Perform credit analysis and credit report write-up and maintain portfolio risk summaries. Review and maintain customer credit files, monitor credit exposure versus limits and ensure that credit portfolio performance remains in line with company targets and risk appetite. Maintain visibility to customers’ creditworthiness by means of periodic credit reviews. Assess the creditworthiness of (potential) customers, expressed in risk categories, and advise credit limits per customer. Ensure compliance of portfolio credit risk to guidelines within limits. Manage reporting credit approvals; ensuring compliance with Credit Policy; reviewing legal documentation. Collaborate with Sales teams for launch approval of new sales campaigns and customer programs. Lead discussions with Sales teams to streamline communication and credit review procedures. Hire, lead and develop a team of two quantitative Credit Financial Analysts/Managers in EMEA and APAC. Audit all credit requests documents that are prepared in connection with establishing commercial credit limits. Serve as primary point of contact for Audit review. Identify and evaluate vendors and data providers to further streamline and maintain high caliber Credit Risk Management practices. Identify and implement organizational, process and systemic enhancements to improve the effectiveness of the Credit Risk Management program. Ensure credit information held by credit bureaus on the company is accurate and up to date. Manage monthly reporting to company’s lenders in respect of asset based lending facilities.

REQUIREMENTS: Bachelor’s degree or foreign degree equivalent in Business, Finance, or related field followed by seven (7) years of progressive experience in job offered or related Commercial Credit Risk Management role.

SKILLS: Experience and/or education must include:

  1. Credit assessment of commercial entities, approving within own individual lending authority, also making approval recommendations above own authority
  2. Managing and mentoring credit analysts in US and internationally
  3. Analyzing and interpreting credit bureau data in multiple countries including US, UK and Mainland Europe
  4. Analyzing and interpreting annual reports, financial statements and ratios
  5. Development and ongoing management of credit policies and procedures
  6. Contract and pricing negotiation with third party vendors including credit bureaus
  7. Implementation of customer risk rating models
  8. Design of customer portfolio performance analytics (delinquency and losses)
  9. Experience within the US Banking Industry and their approach to risk assessment and working with both U.S. and Western Europe Credits
  10. Managing relationships with auditors and regulators, acting as lead on credit audits

 

Job Location:       560 20th Street, San Francisco, CA 94107

 

Please reference job #: 4759160 and send resume to: Attn: C. Mayorga, Juul Labs Inc., 560 20th Street, San Francisco, CA 94107

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