Credit Analyst (LT)

Location: we would like you to work from our office in Vilnius two days per week, joining our team of dedicated professionals and making your mark on the world of B2B e-commerce.

About Hokodo
We’re an international and diverse team, based in London, Vilnius and Paris, working to modernise B2B payments.

• Our Digital Trade Credit solution enables merchants to offer credit terms to their business customers instantly, resulting in a 40% average increase in revenue for integrated merchants.

• We are scaling rapidly across Western Europe, with a list of stellar clients and have raised a total of over $50 million to support our mission.

• Join us in our efforts, as we have already made good progress with 50,000+ businesses regularly using Hokodo, but need your support to take us to the next level!

What you’ll be doing - If you get excited by the following, this is the role for you. 

You will be working alongside the Risk & Data Analytics, Collections, Customer Success and Tech teams to assess risk of buyers and merchants resulting in manual decision optimising the trade-off between a high offer rate and a low bad debt rate. As part of the Credit Risk team, you will be:

• Conducting end to end credit analysis on a daily basis for buyers and merchants as Hokodo’s counterparts

• Managing the portfolio of credit reviews including workload management, monitoring and optimisations

• Contributing to the monitoring of large exposures and cases under collection, as well as documenting root cause analysis for large loss cases

• Identifying and contributing to the delivery of improvements and automations to the processes and tools used by the team

• Support the onboarding of new merchants through cross-function collaboration, identifying potential issues and suggesting solutions where necessary.

• Help maintain strong merchant relationships from a risk management perspective, alongside the Customer Success team.

Who we’re looking for - At Hokodo, we prioritise hiring individuals who share our mission and values, and possess the right attitudes and behaviours for success. While some of the listed requirements may be important, don't worry if you don't meet all of them, we’d still like to hear from you. 

In light of these responsibilities, we’re looking for a candidate who has:

• At least 3 years of relevant experience working for a credit insurance, finance provider, or in the credit management department of a large company

• Excellent verbal and written communication skills in English and Lithuanian

• Good commercial acumen and the ability to strike appropriate risk-return tradeoffs

• Understanding of the main financial reporting and insolvency legal frameworks in the UK and other EU countries

• Good command of tools such as Google Sheet, or Excel, and data visualisation tools a plus (e.g. Looker)

• Comfortable in a fast-paced and tech driven startup environment where change is constant

• Organised and methodical with the ability to multi-task and take initiative

• Can-do and positive attitude, curious, creative and on the lookout for new ideas and methods to improve our ways of working and tools

Nice to have

• Experience in Fintech or lending industry

• Fluent in French

Interview Process

• Intro, company fit and run through career history with the Hiring Manager - 30 minutes - Video Call 

• Case Study and Live Questionnaire with the Hiring Manager and team members - 60 minutes - Video Call or in person

• Team fit interview - 60 minutes - Video Call or in person

• Meet the team and Co Founder - 90 minutes - In person

What’s in it for you?

We’re offering the chance to really make a difference to Hokodo and the wider B2B payments and e-commerce industry. The opportunity for personal growth in a fast-moving startup is massive. Your opinion and feedback will be heard and valued. You'll feel a part of a very special team.

We offer a competitive salary and benefits package, including share options.

📈 Share Options

🏖️ Holiday entitlement: 25 days + bank holidays

💪 Hoko-Flex: additional flexible leave

🎓 Annual Learning and Development budget

✈️ Globetrotter travel policy: Spend up to 60 days working from abroad each calendar year

🏥 Health Insurance

🌴 Yearly offsites and other company socials: Previously, we have been to Malta & Majorca, as well as regular meetups in London and Paris. 

Our values

Hokodo is more than a place to work. We're passionate about making our industry better and aren't afraid of the competition. We pride ourselves on our culture of down to earth employees who are always willing to go the extra mile to help each other out!

• Own the Outcome - We’re committed to our tasks, and take pride in the outcome. It’s never “not my job”. We are bold, we are brave, and we embrace change in all its forms. 

• Trust and Build Trust - We are committed to earning and fostering trust through honest communication and deliberate actions. We support our team and value each other’s time, input, and take local decisions where possible. 

• Never Be Satisfied - We challenge the norms and act boldly, even if it means failing. We are reflective, always learn from our mistakes, and continuously seek feedback and ways to improve. When something’s not quite right, we crave to fix it. We’re open to being challenged, and challenge others openly. 

• No Passion, No Point - We bring passion and energy to everything we do. We get a lot done, and we have a good time doing it. We take every opportunity to celebrate our hard work, our wins - and some of our failures too! 

• Be Genuine (No BS) - We are truthful and honest in our actions. We embrace and respect our individuality and encourage people to speak their mind. We are transparent and committed to doing what’s best for each other, our customers and our company. Put simply, we care. 

Don’t tick all of the boxes? Neither do we.

We are driven by hiring not only by experience and relevance for the role but also our mission and values, and possess the right attitudes and behaviours for success. We celebrate anything ‘outside of the box’, so if you don’t meet all of the listed tickbox criteria, please do still apply as we’d love to hear from you.

The diversity of our team reflects the diversity of our community and customers. We not only welcome but celebrate diverse communities. We feel we have an empowering environment where everyone is supported and respected, and we want you to feel this too. We welcome new ideas, thinking and approaches and listen intently, and we are strongly committed to learning and improving on this as we grow.