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Creoate UK

Creoate is building products and solutions in unconventional ways so that more entrepreneurs and small businesses owners can better run their businesses.

We help independent retailers buy sustainable and unique products from brands and wholesalers on a centralised platform, using artificial intelligence and predictive analytics to improve retailer forecast sales, manage inventory levels and get sustainable finance.

All we do is aimed at delivering more choice, better pricing, and more efficient logistics at a global scale for our customers. Our mission has been extensively covered in TechCrunch and Sifted (hottest investments shortlist), and we are led by a world-class team who have worked at or invested in high-growth cultures including Farfetch, Amazon, Vinted, Lyst, Groupon, and Deloitte.

We’re currently a team of 55 strong, and growing fast across 7 different countries with hubs in the UK (London), Canada (Toronto) and Portugal (Lisbon). Having support from world-class VCs who have invested in Airbnb, Slack, Square, Checkout, and Job&Talent also means that we are now ready to meet ambitious leaders to help us shape the future.

About the role

As the Credit Risk & Operations Lead, you will be responsible for maintaining the balance of risk management and growth from our credit underwriting activities.

Our credit offering is a strategic growth driver, facilitating trade within our marketplace by offering sustainable invoice terms to business owners. As the lead of this strategic initiative, you will work closely cross-team and with leadership in managing all aspects of our Credit strategy – from refining our credit risk policies, overseeing the product developments releases and scaling our global cash collection and payment infrastructure.

Your responsibilities

  • Manage our credit portfolio and execute on our merchant credit strategy, from risk assessment to payments
  • Own KPIs related to credit risk and cash flow, overseeing the related day to day team operations
  • Scaling up recovery efforts and Cash Collections, including managing and building relationships with new external parties and agencies
  • Drive continuous improvement in our credit risk management framework and processes
  • Provide credit risk expertise and frameworks to cross-team stakeholders for emerging products, commercials and markets
  • Facilitate ongoing commercial decisions with analysis and insights on credit risk, collections, recoveries performance and cohort health

About you

  • 4+ years experience in credit operations or underwriting, preferably serving SMBs and/or retail or merchant businesses
  • Analytical and data driven – you use data to identify problems and trends, and implement solutions. You are comfortable using a variety of reporting and data analytics tools.
  • Curious and creative – you spot problems, looking for the root cause solution. Able to respond to change quickly and effectively.
  • Growth mindset – you embrace challenges and are resilient in the face of setbacks, learning and pushing ahead
  • Leadership – you enjoy working with people, and have experience leading, developing and inspiring a team
  • Strong fit with our values: Think Big, Restless, Ownership, Trust and Teamwork
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