Portfolio Risk Manager

MarketFinance ,
London, Greater London
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Job Description

MarketFinance, one of the UKs leading Fintechs, is looking for a Portfolio Risk Manager to help shape the risk management capability of its invoice finance portfolios and play a key part in making business finance quick and easy for customers. Who youll be working with The multi-faceted and highly skilled Risk team youll be joining is helping to create new products, meet the needs of our customers and develop world-leading risk-based pricing models. At MarketFinance, the opportunity for growth is as big as your ambition. Whether thats progressing to a leadership role in your team or exploring an entirely new career path within the business. Maybe this job is part of your journey to starting your own business one day. We have big dreams and we expect you to have the same. About us One of the nine hottest UK Fintech start-ups most likely to be worth 1 billion - Business Insider At MarketFinance, our vision is for entrepreneurs to have the time to build the world we all want to live in. We think entrepreneurs should be able to get on with growing their business, instead of having to worry about cash flow. Thats why were making it quick and easy to get funding through our invoice finance and business loans. Were here to unlock the endless possibilities that arise when entrepreneurs have time to focus on what they love. With our smart online platform, we were a Fintech before that was even a thing. But its not just about the tech. One of our biggest assets is our team of bright, talented and motivated people from all over the world. Its one of the things our customers value most about us and one of the best things about working here. We get stuff done quickly at MarketFinance, with less talk and more action. Its about thinking differently and not being afraid to do things that have never been done before. Culture is a big deal for us. Theres always something happening, from fiercely competitive quiz nights to our Friday Town Hall meetings that roll into socialising on the roof terrace. We work, celebrate, share ideas, eat (lots of biscuits) and are always learning together as a team. Our values matter and as part of the team, theyll be yours too: #MakeItHappen | #1Team1Dream | #AlwaysBeLearning Hear from our Co-Founder, Anil Stocker, on his favourite MarkeFinance moment: What youll be doing As a Portfolio Risk Manager, youll take ownership of the management, monitoring and control of a portfolio of customers using our selective and whole-ledger invoice finance solutions. With 2+ years risk management experience under your belt, we cant wait for you to bring your knowledge of key SME collateral and risk drivers to the team. You may not have hands-on experience in IF but youll definitely have a strong understanding of IF risk in an underwriting, audit, survey and customer management capacity. Well trust you to run regular collateral assessments and reviews on customer facilities within agreed service levels. Well also rely on your sound judgement and strong commercial awareness across sectors to guide your approval of facility amendment requests under personal delegated mandates or via higher approval authority. Youll have the opportunity go out and meet larger customers to better understand their business or help resolve risk-related issues. Using your excellent analytical and negotiation skills, youll structure IF facility proposals for our customers based on the quality of their book debt collateral and financial strength. Your day-to-day responsibilities will also include approving specific invoices, debtors and/or supporting contracts/audit train documentation prior to launching trades on our smart online platform. Our default rate is consistently lower than the industry standard and your work here will be an essential part of our ability to maintain that. Youll be a first line of defense, monitoring covenant compliance and ledger performance to ensure risk stays within agreed lending parameters. Youll also identify, monitor and manage the strategy for all watchlist accounts. We know youre independent but youre also a great collaborator which is why youll work closely with the Audit and Survey team to ensure field examinations are conducted in good time and focus on the most relevant areas of the business. Youll also support our Collections and Recovery team on impaired case management and be the first port of call for Account Management and Customer Success for risk-related queries. Youll retrospectively review delinquent accounts to establish key learnings and identify changes in our risk approach. Well look to you for recommendations on the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity. Youll have the opportunity to shape and develop our credit processes to deliver fast, efficient and robust decisions within agreed risk appetite parametres. Using your strong people management and communication skills, youll provide coaching, development

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