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Global Head of Credit Risk - Lending

São Paulo, Brazil · General Management

Global Head of Credit Risk - Lending

The Job

The mission of SumUp’s Lending Tribe is to provide our micro & small merchants, who are often turned away by traditional financial institutions, with access to capital to grow their businesses. We are injecting capital into millions of existing and new merchants' businesses to foster their sustainability and growth through credit products!

As a Global Head of Credit Risk in this green-field tribe you’ll report to our Global Head of Lending, and play the leading role in designing and managing our credit risk strategies globally. You will work with a cross-functional team to bring transparent, affordable and seamless lending products to millions of micro and small merchants across our 30+ markets.

What you’ll do

  • Lead a comprehensive credit risk strategy for SumUp's global credit portfolio; develop policies and underwriting journeys to maximise access to credit to our customer base while mitigating financial losses; and, collaborate with other product verticals to enable the access to liquidity for merchants and consumers within contextually relevant experiences e.g. revolving credit lines, business loans, BNPL, credit cards, and others;

  • Monitor portfolio, early indicators, as well as market, regulatory and macroeconomic trends impacting loan performance and delinquency levels. Forecast our performance and drive adjustments to our underwriting and origination strategies to mitigate risk.

  • Lead and build a high performing “founding” team of risk analysts and experts in a boot environment. This team will collaborate with data practitioners and engineers, to rally around our credit risk strategy, develop meaningful risk models and decisioning capabilities. You will do that by bringing people together from different contexts and backgrounds to work towards a common goal, through managing by context and empowering them to find solutions by themselves;

  • Make risk accessible to your peers from other disciplines, adapting the language you use to speak about risk and sharing best practices;

  • Interact with our external investors across the globe, so they understand our credit risk strategies and performance;

You’ll be great for this role if

  • You are a subject-matter specialist with 10+ years of experience in managing risk policies for regulated lending products in multiple markets as LatAm and Europe. And have a solid track-record around policy, credit portfolio management, and a good understanding of accounting and provisioning regulation (including IFRS9);

  • You're well versed with modern data architecture: cloud data warehouse technologies; feature building, statistical modeling, and ML-based risk models.

  • You combine excellent problem-solving and the ability to set priorities based on value delivery, with a frugal and pragmatic approach;

  • You get excited about building a business from scratch in a boot environment, have hands-on experience in conducting analysis independently, and model lending P&Ls with strong business acumen;

  • You excel in effective communication and stakeholder management: able to explain complex topics in a simple concise way for non-specialists and influence across different levels;

  • You have experience working for fintech hyper-growth companies (plus, but not limited to);

Why you should join SumUp

  • Be part of a company that lives and breathes to empower small merchants around the globe;

  • Be part of a truly global team and work with people from different parts of the world as you deliver your projects (3000+ people from 60+ countries, spread across 3 continents);

  • Have full autonomy (for real!) to propose and implement changes that will up our game;

  • You’ll receive a budget for attending conferences and external training; 

  • You could either work remotely, or be based in São Paulo, or in the heart of Berlin (one of Europe’s leading tech hubs and most vibrant cities);

  • Excellent company benefits depending on your location.

About SumUp

We believe in the everyday hero. Those who have the courage to follow their passion and who have the strength and determination to realize their dreams.Small business owners are at the heart of all we do at SumUp, so we create powerful, easy-to-use financial solutions to help them run their businesses. With a founder’s mentality and a team-first attitude, our diverse teams across Europe, South America and the United States work together to ensure that the small business owners we partner with can be successful doing what they love. 

We’re looking for individuals who are constantly curious, innovative and brave as we work together across departments to push forward better and better solutions.

SumUp is an Equal Employment Opportunity employer that proudly pursues and hires a diverse workforce. SumUp does not make hiring or employment decisions on the basis of race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. SumUp also strives for a healthy and safe workplace and strictly prohibits harassment of any kind.

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SumUp will not accept unsolicited resumes from any source other than directly from a candidate.