Head of Credit Risk Policy, Senior Director

divh2Head Of Credit Risk Policy/h2pAt TreviPay, we believe loyalty begins at the payment. Thousands of sellers use our global B2B payments and invoicing network to provide choice and convenience to buyers, open new markets and automate accounts receivables. With integrations to top eCommerce and ERP solutions and flexible trade credit options, TreviPay brings 40 years of experience serving leaders in manufacturing, retail and transportation./ppEvery day, TreviPay employees are challenged and empowered in a supportive, collaborative, entrepreneurial environment. As a member of the companys Senior Risk Leadership Team, the Head of Credit Risk Policy is a highly visible role that serves as a voting member of the companys Senior Credit Committee and is responsible for leading the development, implementation, and oversight of the companys credit policy./ppThe ideal candidate will bring a strong foundation in commercial underwriting, a solid understanding of the legal/regulatory landscape in commercial lending, experience in credit policy development and a background in building a robust credit risk management team and framework. This role requires a self-starter, a highly skilled problem solver, a strong communicator with exceptional customer-facing skills, and a change agent to implement scalable and efficient credit decisioning strategies, tools, and processes that balance the companys growth and risk appetite. The fast-paced and intense environment requires an aptitude for analyzing and interpreting complex information from multiple sources in a timely manner and presenting results and recommendations to executive management. This position requires the candidate to identify and prioritize key initiatives and guide results to meet strict deadlines./ppThe Head of Credit Risk Policy is expected to closely collaborate with the Global Head of Underwriting and the companys underwriting teams, as well as Decision Sciences, Legal, Compliance, Collections, and Product. Therefore, it is essential to be an excellent team player with great written and verbal communication skills./ph3Key Responsibilities/h3pCredit Policy Leadership/pulliIdentify current state risk management activities and governance structure, lead the formulation of the required/desired state based upon best practices, regulatory requirements, and companys growth and risk appetite./liliDevelop, document, implement, and maintain comprehensive credit risk policies aligned with the companys goals. Policies may vary by country, sector, or program./liliRegularly assess policies to reflect business evolution, regulatory changes, or market conditions./liliIdentify opportunities to safely expand credit parameters./liliProvide guidance on policy interpretation and implementation./liliParticipate in internal and external audits related to credit risk aspects of business./liliParticipate, as the policy leader, in the development and expansion of companys credit risk management infrastructure as well as various enterprise risk management programs./li/ulpQuality Assurance and Training/pulliDevelop and execute training programs for underwriters to maintain consistency, risk alignment, and credit skills development./liliConduct regular audits and quality assessments of underwriter work product./liliWorking with Underwriting Segment Leaders, monitor discretionary credit authority limits of all holders, review their performance, and recommend changes to individual credit limits where appropriate./li/ulpSenior Credit Committee Member/pulliExperienced in holding $5 Million in commercial credit authority./liliSkilled in evaluating the creditworthiness of potential applicants and existing borrowers by analyzing financial data, credit reports, payment histories, as well as understanding sector specific risk trends to determine final credit decisions in larger applicants/households./li/ulpProgram and Portfolio Assessment/pulliLead quarterly program and portfolio assessment, working with various stakeholders, for presentation to executive leadership team./liliEnsure compliance with applicable state and federal credit regulations and preparing detailed reports for executive management regarding compliance./li/ulh3Skills and Qualifications/h3pMBA or bachelors degree in finance, accounting, or a related field/pp15+ years in commercial underwriting (preferably both large commercial and small business lending) account risk management, loan portfolio risk management, and credit policy/ppExcellent business writing skills/ppExcellent verbal communication skills/ppExcellent skills crafting and delivering executive or client facing presentations/ppProject and/or change management experience preferred/ppCreative approach to complex problem solving/ppAbility to work as part of a dynamic, results oriented team/p/div