The Role

As the Credit Risk Manager, you’ll play a critical role in managing Podium’s credit risk exposure within our payments and lending products for local businesses. You’ll develop, implement, and monitor credit risk policies, work cross-functionally to enhance underwriting models, and ensure a balanced approach to growth and risk mitigation. This role requires expertise in credit risk management, strong analytical skills, and a deep understanding of local business needs and behaviors.

Key Responsibilities

• Develop and Monitor Credit Risk Policies: Design, implement, and monitor credit risk policies and strategies tailored to Podium’s suite of payments and financing products.
• Underwriting and Risk Scoring: Collaborate with data science and product teams to create and refine underwriting models and risk scoring mechanisms that are both scalable and adaptable for local businesses.
• Portfolio Risk Management: Analyze portfolio performance, monitor risk indicators, and ensure that risk exposure remains within acceptable parameters. Identify trends, issues, and opportunities to mitigate risk.
• Cross-Functional Collaboration: Work closely with Product, Engineering, Compliance, and Customer Success teams to align risk management practices with product development, legal requirements, and customer satisfaction goals.
• Reporting and Compliance: Ensure compliance with regulatory requirements, prepare regular risk assessment reports, and present findings to senior leadership.
• Risk Mitigation Strategies: Develop and implement risk mitigation strategies, including credit loss forecasts, reserve calculations, and collection processes.

Qualifications

• Education: Bachelor’s degree in Finance, Economics, Statistics, Business, or related field. Advanced degree (MBA, MS) or relevant certification (e.g., CFA, FRM) is a plus.
• Experience: 5+ years of experience in credit risk management, preferably within a Fintech environment focused on SMBs.
• Technical Skills: Proficiency in risk modeling and analysis software.
• Analytical Mindset: Strong quantitative and analytical skills with a proven track record of making data-driven decisions.
• Regulatory Knowledge: Solid understanding of credit risk regulations and compliance standards relevant to financial services.
• Communication: Excellent verbal and written communication skills with an ability to distill complex concepts for diverse audiences.
• Collaboration: Proven ability to work effectively in cross-functional teams, managing competing priorities in a fast-paced environment.

Benefits:

• Open and transparent culture 
• Life insurance, long and short-term disability coverage
• Paid maternity and paternity leave
• Fertility Benefits
• Generous vacation time, plus three 4-day summer holiday weekends
• Excellent medical, dental, and vision benefits
• 401k Plan with competitive company matching
• Bi-annual swag drops with cool Podium gear and apparel 
• A stellar HQ (Utah) gym with local professional coaches and classes offered
• Onsite HQ (Utah) child care center, subsidized for employees

Podium is an equal opportunity employer. Podium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, national origin, sexual orientation, gender identity or expression, age, disability, genetic information, marital status or veteran status.