Vice President of Credit Risk Management - Remote -- WFH --

### Job Description: Vice President of Credit Risk Management

#### Role Overview

We are seeking a dynamic and experienced Vice President of Credit Risk Management to lead our comprehensive Credit Risk programs, with a special focus on innovative spend and payment solutions. This pivotal role will drive B2B Risk Management strategies, mitigating both traditional and non-traditional financial risks to support our company's growth. The ideal candidate will develop and implement risk models, create underwriting policies, and manage collateral for card and lending programs while ensuring compliance and collaboration with key internal stakeholders.

This position is ideally based out of our headquarters in Charlotte, NC, but we are open to virtual candidates (monthly travel to Charlotte, NC required).

#### What You'll Do

• Provide overall program credit and risk oversight, initially focusing on new card and lending solutions, with a long-term goal of enhancing the Enterprise Risk management practice.
• Lead innovations in B2B Risk Management, addressing both traditional card/lending risks and non-traditional platform spend leakage risks, supporting profitable business growth.
• Oversee broad risk management efforts including model development, underwriting decisions, portfolio management, transaction monitoring, delinquency, and collections.
• Develop and execute program strategy, policy development, and implementation to reduce risk and drive program profitability.
• Act as a key liaison and thought leader across the company, collaborating with Legal, Compliance, Treasury, and Finance to develop a compliant money movement system that manages company risk and accounting needs.
• Implement collateral management policies and program management for all card and lending programs.
• Lead receivables management and collaborate with third-party lenders to set up receivables financing.
• Work with Fraud Operations and Product teams to establish automated KYC/KYB processes.
• Leverage lending finance compliance and legal expertise to evaluate legal approaches with internal and external partners.
  
  

#### What We're Looking For

• 10+ years of experience in financial services, specifically in Credit Risk Management.
• Proven experience in underwriting and transaction monitoring/customer management.
• Expertise in small business and commercial credit, including credit cards, working capital, and short-term lending.
• Legal and compliance expertise related to lending programs.
• Experience in finance and capital markets, with a focus on partnering with internal finance teams on FP&A items and influencing bank and capital markets structuring for lending programs.
• Strong communication skills, with the ability to effectively convey new concepts and collaborate cross-functionally.
• Ability to thrive in a fast-paced environment.
• Strong analytical skills and data-driven decision-making abilities.
  
  

#### Bonus Points

• Experience with Fraud, Treasury, Factoring, B2B, and Lending.
• Experience in SaaS and FinTech industries.
  
  

#### About Us

We are a leading provider of accounts payable (AP) automation software and payment solutions for middle-market businesses and their suppliers. While we are a technology company, our people are at the core of who we are. We foster a culture of Diversity, Inclusion, & Belonging, and pride ourselves on being a place where teammates can bring their whole selves to work. Our core values are being Connected as People, Growth Minded, and Customer Obsessed. Since our founding in 2000, we've grown to over 1,600 teammates working across the U.S. and remotely, and we are proud to be certified as a Great Place to Work®.

#### Who You Are

• A go-getter with an entrepreneurial mindset, unafraid of taking risks and winning big.
• Someone who understands that business is people-centric, valuing human connections to develop mutually beneficial working relationships.
• Focused on making a difference for our customers, solving complex problems to help everyone realize their potential.
  
  

#### What You'll Get

• The perks and prestige of a publicly traded tech company with the flexibility of a startup.
• Work/life balance, professional development programs, competitive benefits, and equity options.
• A culture where you can be fully "you," connected with others, chasing big goals, and making a meaningful impact.
• 18 days PTO
• 11 Holidays (8 company-recognized & 3 floating holidays)
• 16 hours of paid Volunteer Time Off (VTO) per year
• Competitive healthcare options
• $0 monthly premium for teammate-only High Deductible Health Plan
• 100% company-paid Dental Base Plan Coverage
• 100% company-paid Life Insurance
• 100% company-paid Long-Term Disability
• 100% company-paid Short-Term Disability
• Employee Assistance Program (EAP)
• Onsite Health Clinic for teammates and their dependents
• 401k match up to 4%
• 8 weeks of 100% paid Parental Leave
• Discounts on Pet, Home, and Auto insurance
• BrightDime Financial Wellness Tool
• WeeCare Childcare Service
• Perks at Work discount program
• Onsite gym, yoga studio, and basketball court
• Tuition Reimbursement up to $5,250
• Hybrid workplace flexibility
• Free parking
  
  

PTO is fully granted at the beginning of the year, pro-rated if hired mid-year.

Charlotte location only.

Available to full-time employees for at least 3 months.

Charlotte location only.

Available to full-time employees for at least one year.

#### Equal Employment Opportunity

We are an equal opportunity employer committed to equal employment opportunities in accordance with applicable laws. We do not discriminate against applicants on any legally recognized basis, including veteran status, race, color, religion, sex, sexual orientation, gender identity, gender expression, national origin, age, and physical or mental disability. If you require alternative methods of application or screening, please approach us directly to request this.

We look forward to receiving your application and exploring how you can contribute to our team!

Employment Type: Full-Time