Credit Risk Analyst

Job Responsibility:

ABOUT HELCIM

Helcim was founded with a mission at heart: to be the world's most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable, we can empower them to grow and prosper. Simply put, helping small businesses thrive is at the very core of our business model, and we think that's a great way to do business.

From the very start, we knew that we wanted to be different from every payment processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another “cost of doing business.” We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money, all while treating them like human beings.

THE POSITION

Helcim is searching for a talented and passionate Credit Risk Analyst to join us on our mission to become the world's most loved payments company.

As our Credit Risk Analyst, you will focus on refining our credit risk frameworks, processes and guidelines with the goal of minimizing our exposures associated with both new customer onboarding as well as ongoing monitoring/rolling underwriting with our established customers. The challenge, should you choose to accept it, is to help us develop the aforementioned credit framework that manages our credit risk at scale while preserving a quality, human focused experience that encourages our customers to grow with us.

This is an exciting opportunity to become an integral part of the risk management team at a high-growth fintech company changing the payments landscape. You will use your knowledge of SMB credit risk to help inform our credit decisions, build our credit processes, and work with our talented developers to create underwriting models for machine based decision making. You'll help with account credit reviews and create workflows that guide our Trust and Safety team through credit risk mitigation processes in their day-to-day work.

In this role you will meld your commercial credit expertise with real world processes to help us create and run an efficient, seamless, precise financial risk mitigation programme that encourages customer growth while reducing our risk.

Here are the things you'll own day to day:

• Build and implement strategies based on credit risk models for new customer onboarding as well as rolling credit models for established customers.
• Oversee and conduct day to day customer credit reviews, including review of financial statements, credit reports and corporate entity registrations.
• Develop and iterate Trust and Safety team guidance/workflows for working through credit risk events.
• Devise a list of tools for navigating credit inquiries with at-risk customers.
• Adjust credit models to reflect trends in our processing activity and real world events that could impact the financial health of our customers and mitigate our exposure to those risks.
• Establish close relationships and work with key internal and external partners across product, software development, machine learning, business teams and third party suppliers (data and credit bureaus) to develop strategies for improving and iterating how we manage credit risk.
• Monitor and ensure compliance with organizational, business, strategic, operational, legal, reputation and market risks where applicable.

A SUCCESSFUL CANDIDATE

• Has considerable empathy for our customers - typically small and medium business owners - who will take a human-centric approach to help solve problems.
• Is obsessed with staying one step ahead in a continuously changing and ambiguous risk environment.
• Curates a broad (local, national, global) financial perspective with a keen desire to relate it back to our credit risk models and mitigation operations.
• Is a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them.
• Loves using data to solve complicated puzzles.
• Self-starter that thrives in fast-paced environment.
• Can use systems thinking to create a unified risk framework alongside our Fraud and Compliance teams.
• Is a People Person first - you know that behind possible risks, it's a human first.

KEY COMPETENCIES

• Experience and knowledge of commercial credit best practices and tools (including data/credit bureau products) for both business entity verification and credit management, with a proven ability to distill into repeatable, scalable processes.
• An excellent, values-driven decision maker, with experience in credit and financial risk management.
• The ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies.
• Knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries.
• Excellent communication skills, both written and oral, combined with strong interpersonal skills.
• Adept at distilling complicated concepts into understandable workflows and coaching teammates in their use.
• Strong time-management and organizational skills.
• Experience in payments is an asset but not required - if you're a whiz in credit, we can teach payments.

HELCIM CULTURE IS;

Being builders: We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there, invent our way out of problems and we never stop dreaming of better.

Choosing the harder path : We believe that the right decisions are usually the harder ones, so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the long-term, and makes us resilient, so that we not only survive but thrive.

Creating trust : We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn, easy to lose and is tested continuously over time, so we make trust our way of life.

Contributing to a company of many : We are stronger because of our collective passion, diversity, and fellowship. We believe only great teams can accomplish great things, and we ask the very best of each other. Together we create our own future.

WORKING AT HELCIM

Joining Helcim means joining a fast-growing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth - opportunities for faster career growth, for more learning, more impact, and accelerated experience - all while surrounding yourself with incredible people working on interesting problems and delivering great results.

Here are some of the reasons we attract such great people:

The Way of the Helcim: At Helcim, we build a team of engaged, caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcim's unique culture and environment in our culture book The Way of the Helcim.

Health and dental benefits : Through our Group Benefits, you'll get access to dental benefits, extended healthcare benefits for drugs, vision, paramedical coverage (e.g. massage therapists, dieticians, mental health professionals), counseling, health service navigation, life insurance, critical illness and disability insurance, and more. All of these benefits come into effect on Day 1 of employment!

Dedicated Health Spending Account (“HSA”) : An additional budget available for you to spend on health-related expenses (e.g. eyeglasses, therapy).

Maternity and Parental Leave : To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for non-birthing parents.

Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member, not just people leaders and executives receive equity (aka ownership in the company).

Vacation Time : All team members get paid vacation time and a company break in December so they can recharge when they need it.

Flexible work location : Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work, so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore, our core hours give team members flexibility to manage other parts of their lives.

Training : Helcim will cover 50% of the applicable training costs of up to $500 per year.

LOGISTICS

Job type: Full-time

Hiring manager: Jenny Raza

Location: Hybrid, In Office Monday's, Wednesday's + Friday's

Candidates must be eligible to work in Canada and be located in Calgary for this position.