Senior Credit Analyst

Senior Credit Analyst ✨ ONE PLATFORM, A WHOLE WORLD OF OPPORTUNITY The best jobs are often restricted to a few wealthy cities, but talent exists everywhere. Oyster set out to change this by launching a global employment platform that enables companies to hire, pay, and support talent anywhere. We’re proof that a strong, engaged culture doesn't require an office. Since January 2020, Oyster has: 🌏 Built a distributed team of 400+ across 60+ countries 👩‍💻 Featured in Forbes https://www.forbes.com/sites/laurabegleybloom/2024/01/25/work-from-home-or-anywhere-top-30-companies-for-remote-jobs-in-2024/ as #9 in FlexJobs Top 30 Companies for remote jobs 🌈 Formed a diverse leadership team and a workforce that’s 60% female 🏆 Earned top employee engagement scores 🦄 Raised $286 million; valued at $1.2 billion 💚 Achieved B Corp status in 2023 Our momentum shows the power of global employment, and we’re just getting started! If you want to help us drive change and work remotely, we’d love for you to apply! Location: While this position is posted in a specific location, all of Oyster’s positions are fully remote and you can work from home. Forever. To create the best experience for our new hire, this role requires you to be based within +3 / -5 UTC. Role Summary As a Senior Credit Analyst within the Corporate Treasury department, you will be responsible for managing and mitigating credit risk exposure across the company's portfolio. You will assess counterparty risk, set credit limits, and work closely with various teams to ensure compliance with risk management policies. You will also play a pivotal role in driving and delivering cross-functional projects aimed at enhancing the company’s credit risk management framework. This will involve working closely with internal stakeholders to define project scopes, develop strategies, and ensure successful implementation of key credit risk initiatives. This role is integral in aligning business objectives with risk management practices to ensure the company operates within its risk appetite. Key Responsibilities - Credit Risk Assessment: Evaluate the creditworthiness of counterparties through financial analysis, credit ratings, and market data. - Counterparty Limits: Set and manage credit limits in line with the company’s risk appetite, adjusting based on evolving market conditions. - Project Management: Define project objectives and deliverables related to credit risk. Create and manage project plans, timelines, and resources to ensure successful execution. - Stakeholder Collaboration: Serve as the point of contact between teams (Product, Finance, Legal, Operations) to ensure alignment and clear communication. - Process Optimization: Identify opportunities for improving credit risk management processes and adopting best practices and new technologies to enhance efficiency. - Change Management: Lead change efforts, ensuring smooth adoption of new processes, systems, or policies with proper training and support. - Regulatory Compliance: Ensure all initiatives comply with relevant regulations and internal risk governance frameworks. - Performance Monitoring: Establish KPIs for credit risk initiatives and monitor outcomes to ensure alignment with business objectives and risk appetite. - Risk Reporting: Generate and present reports on credit exposures, including key risk indicators (KRIs) and trends to senior management. Publish metrics related to bad debt and manage programs related to reduction of bad debt in collaboration with other members of the Treasury team. Prepare and deliver regular reports to senior management on risk exposure. - Policy Development: Contribute to the enhancement of credit risk management policies to maintain a robust risk management framework. - Credit Control: Monitor customer accounts to identify outstanding debts, proactively contacting clients to resolve payment issues. Escalate customer accounts for Collections in due time. Collaborate cros ... (truncated, view full listing at source)