Senior Underwriter and Risk Analyst

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 We believe that the way that work works today is outdated.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? <br/>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.<br/>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.<br/>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.<br/>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.   <strong>Who we're looking for:</strong> <ol> <li>A solution driven professional, who is able to autonomously overcome challenges and solve problems or blockers, always passionate about getting stuff done</li> <li>A great communicator, who can create relationships, convince others with their ideas and simplify complex topics</li> <li>A person eager to learn, strives for constant improvement and not afraid to fail</li> </ol> <strong>You will also be responsible for:</strong> <ul> <li>Underwriting applications for large credit facilities which don’t fall within our automated solutions</li> <li>Feeding into our credit risk strategy, as well as all relevant processes for the team and its members</li> <li>Providing business requirements to Product Managers and Operations Managers, automating manual processes and achieve higher efficiency</li> <li>Maximizing our recovery rate and minimizing our loss rates</li> <li>Analyzing the health of our portfolio, identifying where decisions we make or processes we follow require improvement</li> </ul> <strong>We believe you'll thrive in this role if you:</strong> <ul> <li>Well experienced in underwriting, credit risk management within lending or credit control, in the SME space (as opposed to consumers)</li> <li>Have monitored performance of portfolios of debt before, optimized for recovery and repayments</li> <li>Have devised or assisted devising a collection strategy for your team/company</li> <li>Are able to constantly improve credit risk management frameworks and policies to optimize default rates</li> </ul> <p><strong>Your colleagues say that you are</strong></p> <ul> <li>Curious by nature &amp; love solving for inefficiencies</li> <li>Happy to empower those around them</li> <li>Love the detail, you often spot things that other don’t</li> <li>Razor sharp when it comes to your work but also fun to work with</li> </ul> <p><strong>Show me the benefits!</strong></p> <ul> <li>Your own Pleo card (no more out-of-pocket spending!)</li> <li>Lunch is on us - with catering in our Lisbon office 🍜</li> <li>Private health insurance to ensure you’re fit in body and mind to do your best work</li> <li>In Portugal, we offer 25 days of holiday + your public holidays</li> <li>For our Cash Flow Operations Team, we offer full flexibility around working from home</li> <li>Option to purchase 5 additional days of holiday through a salary sacrifice</li> <li>Wellbeing days - fully paid days off designed for a slower pace, allowing you to take time to recharge and prioritise self-care</li> <li>We’re trialling MyndUp to give our employees access to free mental health and wellbeing support with great success so far  ❤️‍🩹</li> <li>Access to LinkedIn Learning - acquire new skills, stay abreast of industry trends and fuel your personal and professional development continuously </li> <li>Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work 👶</li> <li>All of us have a stake in Pleo’s success - ask us about our equity grant scheme</li> </ul><p><span><strong>Why join us?</strong><br/><br/></span>Working at Pleo means you're worki