Oyster - Senior Credit Analyst
Requirements
• Bachelor’s degree in Business, Finance, Economics, Accounting, or a related field. • 7+ years of credit risk management experience, ideally within Corporate Treasury. • In-depth knowledge of risk governance frameworks • Strong understanding of credit risk management principles. • Demonstrated experience in process optimization within credit risk management, including implementation of best practices and new technologies • Excellent analytical, communication, and presentation skills, with the ability to collaborate across multiple departments, serve as a key point of contact, and drive consensus across teams. • Proficiency in financial statement analysis, and credit risk assessment tools. • Strong organizational skills and the ability to manage multiple priorities in a dynamic environment. • You'll also need • You'll also need • A reliable home internet connection (or be able to get one) • How we work together at Oyster • Our values guide the work we do, the decisions we make, and the culture that makes us special. We make it happen. We drive change. We build and give trust, and we are a united team. • Our mission is to create a more equal world, one global hire at a time. Everything we do ladders up to our mission, and that doesn’t just mean building software. We develop programs, participate in workshops, and create dedicated teams to ensure we successfully support companies and knowledge workers in this new world of work. • We embrace asynchronous communication and collaborative work and share our practices in the Oyster Public HQ to help other global teams learn from our experiences. • How YOU work • How YOU work • With diverse locations, cultures, and needs, we created How YOU Work; a program supporting your whole human experience at Oyster: • Work from anywhere: Oyster has no borders or HQ. As long as work is timely, your team is supported, and you're authorized to work where you live, you can work from anywhere. • Work from anywhere: • Paid time off: Enjoy 40 days off per year (including holidays and vacation), or more if required by your country. • Paid time off: • Mental health support: Access Plumm, our mental well-being service. • Mental health support: • Wellbeing allowance: Each month, receive a wellbeing allowance in your ThanksBen wallet. Spend it on a wide range of options; see the benefits catalogue for ideas. • Wellbeing allowance: • Flexible parental leave: All new parents are eligible for at least three months’ paid leave, with job protection for up to 12 months or as required locally. • Flexible parental leave: • WFH stipend: Receive a stipend for your laptop and home office equipment to get you set up quickly. • WFH stipend: • ✨ The best jobs should be available to everyone • We embrace diverse perspectives and intentionally build our product and company with an inclusive, global mindset. We encourage you to apply, even if you don’t meet every criterion, and are committed to a trust-based, thriving environment. • Oyster is committed to ensuring equal opportunity of employment for qualified persons with disabilities and actively fosters an inclusive work environment. If you require reasonable accommodations throughout the recruiting process, please email [email protected] with the subject line: Interview Accommodations. • Our available positions are on our careers page. Our team will only contact you from an @oysterhr.com email, and we will never ask for money as part of an interview process or job offer. If you receive a suspicious email about Oyster jobs or are directed to a site other than www.oysterhr.com/careers, please report it via our Compliance and Ethics Helpline. • we will never ask for money as part of an interview process or job offer.
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 cross-functionally with Sales, Customer Success, and external stakeholders to resolve invoice queries and disputes. • Collections: Manage the collection process to ensure all relevant stakeholders are made accountable for reducing bad debt. Prepare account statements for customers as part of the collection process.
Benefits
• Please enter the country you are located in • Please select the option that best describes your authorization to work in your country of residence. • I am a citizen/permanent resident with full work authorization • I have an existing work permit/visa that does not require employer sponsorship • I have a work permit/visa that requires employer transfer or sponsorship • I currently need employer sponsorship to work legally in my country of residence • Describe a situation where you had to balance risk mitigation with business objectives. How did you approach this challenge? • What aspect of credit risk management do you enjoy the most and why? • Please share a short summary about yourself and why you're interested in Oyster! • What attributes do you possess that set you up for success in a fully remote environment? • Google Workspace (GSuite) • None of the above • I confirm I have read OysterHR's Privacy Notice • Recruiting Privacy Policy
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