Credit Risk Analyst

About Remote:

Remote is the global platform that enables companies to employ people anywhere in the world, taking away all legal and compliance complexities. Remote handles global payroll, benefits, taxes, and compliance for businesses big and small. (read more about how it works).

As we expand on our products and services to support more clients in more countries, we need a strong and efficient Credit Risk function to ensure the optimal risk/reward balance in a hyper growth environment.

Please check out our handbook to learn more about our culture. Please reach out even if you don't feel 100% confident you meet all of the requirements. We are looking for people with kindness, ambition and grit. If this job description appeals to you, we want to hear from you!

About the role:

Remote, a company specialising in HR technology, is looking for an experienced and qualified risk/financial analyst to support our Credit Risk strategy.

The ideal candidate will have a strong understanding of financial analysis and a proven track record of execution in the financial services industry.

Responsibilities for this position include but are not limited to: carrying out financial assessments on new deals and existing exposures, underwriting large exposure accounts, portfolio level analysis and development of mitigation strategies, and working cross-functionally to automate processes and align with Remote’s wider business objectives.

If you are a dynamic and results-driven individual with a passion for innovation and excellence, we encourage you to apply for this exciting opportunity. We look forward to receiving your application.

Most importantly, the Credit Risk team owns credit losses at Remote and is responsible for driving them to optimal levels and balancing it with high revenue growth.

Requirements:

• Credit risk, corporate finance, or accounting professional with 4+ years experience and proven performance
• Experience with financial statements analysis (Profit & Loss, Balance Sheet, Cash Flow Statement)
• Strong analytical skills with experience using data to drive successful actions and results
• Communication, negotiation and influencing skills
• Ability to work independently and handle multiple projects in a fast paced, hyper-growth environment
• Writes and speaks fluent English
• Experience with a fintech or start up company considered a plus

This person will be responsible for:

• Assessing new deals and existing exposures and making recommendations to Head of Credit
• Managing and performing credit underwrites for large exposure accounts
• Monitoring Remote’s credit risk at a portfolio level and implementing strategies to reduce credit exposure and losses
• Working with product and engineering teams to automate credit risk interventions
• Remote’s credit risk losses and driving them down as part of the Credit Risk team

Benefits:

Our full benefits & perks are explained in our handbook at remote.com/r/benefits. As a global company, each country works differently, but some benefits are for all Remoters:

• unlimited personal time off (minimum 4 weeks)
• flexible working hours (we are async)
• 16 weeks paid parental leave
• mental health support services
• stock options
• learning budget
• home office budget & IT equipment

Practicals:

• Report to: Senior Manager, Credit Risk
• Team: Operations
• Equipment: We will supply you will the tools you need to do your job well (MacBook Pro, screen, peripherals)
• Location: AMER
• Start date: As soon as possible

Remote Compensation Philosophy

Remote's Total Rewards philosophy is to ensure fair, unbiased compensation and fair equity pay along with competitive benefits in all locations in which we operate. We do not agree to or encourage cheap-labor practices and therefore we ensure to pay above in-location rates. We hope to inspire other companies to support global talent-hiring and bring local wealth to developing countries.

At first glance our salary bands seem quite wide - here is some context. At Remote we have international operations and a globally distributed workforce.  We use geo ranges to consider geographic pay differentials as part of our global compensation strategy to remain competitive in various markets while we hiring globally.

The base salary range for this full-time position is $36,000 to $80,950. Our salary ranges are determined by role, level and location, and our job titles may span more than one career level. The actual base pay for the successful candidate in this role is dependent upon many factors such as location, transferable or job-related skills, work experience, relevant training, business needs, and market demands. The base salary range may be subject to change.

At Remote, we foster internal mobility as a key element of our culture of employee growth and development, supported by a compensation philosophy that guarantees pay equity and fairness. Therefore, all compensation changes associated with an internal move will be reviewed by the Total Rewards & People Enablement team on a case by case basis.

Application process

1. Interview with recruiter
2. Interview with future manager
3. Interview with team members (no managers present)
4. Bar Raiser Interview
5. Prior employment verification check 

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