Merchant Credit Manager

• We are seeking an experienced and results-driven Merchant Credit Manager to lead the development and management of credit facilities for PalmPay's merchant partners.
• The Merchant Credit Manager will play a pivotal role in driving financial growth and ensuring that our merchants have access to the credit solutions they need.
  

Qualifications and Skills

• Bachelor's Degree in Finance, Business Administration, or a related field. Master's Degree is a plus.
• Proven leadership experience in credit operations or credit risk management.
• Strong analytical and financial assessment skills.
• Excellent interpersonal and communication abilities.
• Knowledge of fintech credit products and market dynamics.
• Familiarity with regulatory requirements related to credit operations.

• We are seeking an experienced and results-driven Merchant Credit Manager to lead the development and management of credit facilities for PalmPay's merchant partners.
• The Merchant Credit Manager will play a pivotal role in driving financial growth and ensuring that our merchants have access to the credit solutions they need.
  

Qualifications and Skills

• Bachelor's Degree in Finance, Business Administration, or a related field. Master's Degree is a plus.
• Proven leadership experience in credit operations or credit risk management.
• Strong analytical and financial assessment skills.
• Excellent interpersonal and communication abilities.
• Knowledge of fintech credit products and market dynamics.
• Familiarity with regulatory requirements related to credit operations.

Credit Facility Development:

• Team Leadership:
  • Build, lead, and mentor a high-performing team of credit analysts and credit sales officers.
  • Set clear performance goals and provide ongoing guidance and feedback.
  • Foster a collaborative and innovative team culture.
• Credit Product Development:
  • Collaborate with the product development team to design and refine credit products tailored to merchant needs.
  • Continuously assess market trends and competition to enhance credit offerings.

Credit Risk Management:

• Credit Assessment:
  • Oversee credit risk assessment processes, including financial analysis and credit scoring.
  • Ensure thorough due diligence in evaluating merchant creditworthiness.
• Policy Development:
  • Develop and implement credit policies and procedures in compliance with regulatory guidelines.
  • Monitor and adjust credit policies to mitigate risk effectively.

Relationship Management:

• Merchant Engagement:
  • Build and maintain strong relationships with merchant partners.
  • Provide guidance and support to merchants regarding credit options and financial education.
• Stakeholder Collaboration:
  • Collaborate with cross-functional teams, including sales, operations, and compliance, to optimize credit processes and deliver excellent service to merchants.

Reporting and Compliance:

• Performance Monitoring:
  • Monitor the performance of credit facilities and the portfolio's health.
  • Provide regular reports and insights to senior management.
• Regulatory Compliance:
  • Ensure compliance with all relevant regulatory requirements and reporting.