Director of Credit

The Director of Credit at Capchase will manage the entire credit lifecycle. This includes defining credit policy and risk appetite, portfolio management, risk modeling and analytics, process automation, and nurturing vendor and buyer relationships. The role is central to ensuring effective risk management and maximizing profitability.

To qualify for the Director of Credit role at Capchase, candidates should have a minimum of 6 years of experience in B2B risk management, particularly within fintech or a similar high-growth sector. Candidates must demonstrate a deep understanding of B2B financing, payments, and advanced statistical modeling skills, along with proficiency in SQL.

The Director of Credit is crucial in shaping Capchase's mission of enabling software companies to offer flexible payment terms. By overseeing credit policy and risk management, this role directly impacts how effectively Capchase can provide financing options to thousands of companies, ultimately fostering growth in the tech sector.

Capchase prides itself on creating an awesome culture characterized by diversity, collaboration, and innovation. As a Director of Credit, you'll work alongside talented Capchasers from various backgrounds, fostering a supportive environment that values continuous improvement and the exchange of ideas.

Essential tools and skills for the Director of Credit position at Capchase include advanced Excel for data analysis, SQL for database management, and a strong basis in data science for building risk models. A collaborative spirit is also important for working with cross-functional teams comprising data scientists and engineers.

When developing a credit policy for Capchase, I would start by understanding the company's risk appetite and market dynamics. I would leverage historical data analysis to set clear parameters for credit limits and tolerances while ensuring compliance with regulations. Additionally, engaging key stakeholders for feedback would help create a more comprehensive and actionable policy.

I approach portfolio management by continuously monitoring portfolio performance through key metrics and risk indicators. Regularly analyzing data allows me to identify trends and make proactive adjustments to optimize for risk-return balance, ensuring we maintain a healthy credit portfolio.

In my previous roles, I have developed and implemented risk models using statistical techniques to assess creditworthiness. I utilized machine learning algorithms to enhance predictive accuracy and continuously validated models against performance metrics to ensure reliability in decision-making.

Process automation in credit management streamlines operations, enhances efficiency, and minimizes operational risk. I believe in identifying repetitive tasks that can be automated, thereby allowing the team to focus on strategic decision-making while reducing human error in processes.

In addressing vendor disputes related to credit terms, I would prioritize open communication. My approach would involve understanding the vendor's concerns and collaboratively seeking resolutions while ensuring that our credit policy is upheld. Building strong relationships relies heavily on transparency and mutual understanding.

In my previous roles, I have worked closely with data scientists, engineers, and business stakeholders to align our credit strategies with company goals. I emphasize regular communication and joint problem-solving sessions to foster a collaborative environment, ensuring we leverage diverse expertise effectively.

I am proficient in SQL for data extraction and advanced Excel for analysis. I use these tools to gather insights on credit performance, which inform our risk management strategies. By creating dashboards and analytical models, I enable the team to visualize trends and make data-driven decisions.

I stay informed on industry trends by regularly participating in webinars, attending conferences, and reading relevant publications. Engaging with professional networks and online forums also provides insights on emerging practices in credit risk management that can be applied to our strategies at Capchase.

I am motivated by the challenge of navigating uncertainty and finding innovative solutions to mitigate risk. Risk management allows me to apply my analytical skills in dynamic environments, contributing to the overall success and sustainability of organizations like Capchase.

Key metrics to measure credit performance include default rates, recovery rates, portfolio growth, and overall profitability. Analyzing these metrics helps assess our risk management effectiveness and guides strategic adjustments to maximize returns on our credit offerings.