Talent.com
Credit Risk Manager - SME (US) (m / f / d)

Credit Risk Manager - SME (US) (m / f / d)

Pliant.ioNew York, NY, US
job_description.job_card.variable_days_ago
serp_jobs.job_preview.job_type
  • serp_jobs.job_card.full_time
job_description.job_card.job_description

Credit Risk Manager SME

Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

We serve two primary customer segments :

  • Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines.
  • Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant's embedded finance and white-label solutions.

Founded in 2020 and headquartered in Berlin, Pliant supports over 3,500 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue Visa-powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

As a Credit Risk Manager SME, you will underwrite and manage credit risk exposure to our commercial customers across the United States. Beyond case processing, you'll help us build, test, and calibrate automated decision flows that scale safely. You will work closely with the Lead Credit Risk Management and partner with Risk Strategy, Product, Data, and Operations to evolve our credit policies, risk appetite, and portfolio monitoring.

This role is US-based (remote or hybrid depending on location) with occasional travel to team hubs.

What You'll Do

  • Underwriting : Evaluate credit applications across various segments (micro, small, lower mid-market, and both incorporated and unincorporated entities), tailoring decisions to risk profile and product fit. Document the key risks and mitigants and propose a well-supported recommendation.
  • Credit decision : Decide on limit requests for customers within your delegated authority, structuring exception cases in line with our risk appetite. Contribute to the design of decision engines that incorporate financial ratio scoring alongside behavioral and transactional signals.
  • Portfolio management : Monitor cohorts and track industry, sector, and regional trends to identify early-warning indicators and concentration risks; propose exposure adjustments and implement risk actions. Contribute to portfolio reviews to ensure KPIs and SLAs are within target levels.
  • Process optimization : Support the automation of underwriting processes by helping identify signals and patterns in customer behavior and translating them into structured rules and decision logic.
  • Due diligence & fraud prevention : Identify and mitigate abuse of our product by reviewing the identity, ownership, operating model and structure of counterparties using public records and financial information; document findings clearly.
  • Innovation : Get to the heart of operational workflows and continuously improve them together with your colleagues. Work across multiple IT systems and help optimize data pipelines and decision flows.
  • Policy & documentation : Draft and maintain clear documentation on credit decisions and processes. Your work ensures compliance with audits and internal governance, making risk procedures transparent and easy to understand.
  • Communication : Partner with Sales, Account Managers, and external stakeholders (e.g. sponsor banks, lenders) to align on credit policy, resolve exceptions, and maintain strong working relationships. Engage directly with customers when needed to clarify ownership structures, financial reporting, or business operations.

    • What You'll Bring

  • 35 years of hands-on SME credit underwriting or credit risk management at a bank, fintech, or specialty lender in the US.
  • Strong knowledge of US underwriting material; credit bureau files, open banking data, ERP connectors, and financial accounting.
  • Direct experience with US SME credit underwriting, including familiarity with fraud detection techniques and red flags in lending, such as transaction-data or pattern-based analysis.
  • Familiarity with SME credit governance practices, including collateral, liens, personal guarantees, and UCC filings.
  • Analytical thinking, attention to detail and the ability to quickly understand new problems and systems while developing solutions.
  • Excellent written communication; produces audit-ready credit documentation and clear policy updates.
  • Experience with IT systems used for loan processing and credit decisioning, API connectors, decision engines and data aggregation tools; familiarity with SQL or Python is a plus.
  • Determination and desire to work as part of a team to achieve high-quality results for our customers.

    • What We Offer

  • Competitive salary and performance-based incentives
  • An influential role shaping U.S. market growth at an international fintech
  • Opportunities for professional growth and ownership from day one
  • A remote-friendly environment with support for work-life flexibility
  • Health, wellness, and retirement benefits
  • Access to a diverse and ambitious team driven by impact, innovation, and transparency
    • serp_jobs.job_alerts.create_a_job

    Credit Risk Manager • New York, NY, US

    Job_description.internal_linking.related_jobs
    • serp_jobs.job_card.promoted
    Internal Audit & Risk Advisory Senior

    Internal Audit & Risk Advisory Senior

    EisnerAmperIselin, NJ, United States
    serp_jobs.job_card.full_time
    At EisnerAmper, we look for individuals who welcome.Internal Audit & Risk Consulting Senior that will perform tasks that focus on full-cycle internal audit engagements, including overseeing and con...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Senior Manager, Credit Risk

    Senior Manager, Credit Risk

    EtsyBrooklyn, NY, US
    serp_jobs.job_card.full_time
    Etsy is a global marketplace for unique and creative goods.We are a community-driven company, and our mission is to keep commerce human. We believe in the power of small businesses and the magic of ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Credit Risk Manager - Fairfield or Morristown, NJ

    Credit Risk Manager - Fairfield or Morristown, NJ

    Valley National BancorpFairfield, NJ, US
    serp_jobs.job_card.full_time
    Responsibilities include but are not limited to : .Underwrites and structures new prospective transactions as well as renewals, extensions, increases, and material modifications and amendments for ex...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Risk Operations Analyst

    Risk Operations Analyst

    VirtualVocationsPaterson, New Jersey, United States
    serp_jobs.job_card.full_time
    A company is looking for an Associate Risk Operations Analyst to support payment operations and fraud prevention.Key Responsibilities Conduct in-depth analysis of customer data for underwriting a...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    • serp_jobs.job_card.new
    Risk Management Consultant

    Risk Management Consultant

    VirtualVocationsPaterson, New Jersey, United States
    serp_jobs.job_card.full_time
    A company is looking for a Risk Management Solutions Consultant.Key Responsibilities Serve as a subject matter expert to showcase risk intelligence for corporate risk management teams Conduct di...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_hours
    Credit Risk Manager

    Credit Risk Manager

    Razzino Associates, Inc.Harrison, New York, United States
    serp_jobs.job_card.full_time
    serp_jobs.filters_job_card.quick_apply
    Our client, a major Chemical producer, is seeking their Credit Risk Manager to join them in Florida.The Credit Risk Manager is responsible for evaluating and managing credit exposure across a diver...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    This website uses cookies to allow for its correct operation and the services offered. For further information, please consult ourCookiePolicy.

    This website uses cookies to allow for its correct operation and the services offered. For further information, please consult ourCookiePolicy.

    SantanderFlorham Park, NJ, US
    serp_jobs.job_card.full_time
    Director, Credit Risk Management.Santander is a global leader and innovator in the financial services industry.We believe that our employees are our greatest asset. Our focus is on fostering an enri...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Remote Finance Director - AI Trainer

    Remote Finance Director - AI Trainer

    Data AnnotationPaterson, New Jersey
    serp_jobs.filters.remote
    serp_jobs.job_card.full_time +1
    We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the q...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Fraud Risk Compliance Manager

    Fraud Risk Compliance Manager

    VirtualVocationsPaterson, New Jersey, United States
    serp_jobs.job_card.full_time
    A company is looking for a Manager, Fraud Risk & Compliance Operations.Key Responsibilities Develop a compliance center of excellence focused on banking and financial regulatory compliance Lead ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_1_day
    • serp_jobs.job_card.promoted
    FS & SOX Internal Audit Senior Manager - Risk Advisory

    FS & SOX Internal Audit Senior Manager - Risk Advisory

    EisnerAmperIselin, NJ, United States
    serp_jobs.job_card.full_time
    At EisnerAmper, we look for individuals who welcome.EisnerAmper experience is one-of-a-kind.Internal Audit Consulting Senior Manager. Risk & Compliance Services practice focusing primarily on our Fi...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    FS & SOX Internal Audit & Risk Advisory Manager

    FS & SOX Internal Audit & Risk Advisory Manager

    EisnerAmperIselin, NJ, United States
    serp_jobs.job_card.full_time
    Internal Audit Consulting Manager.Risk & Compliance Services practice for our Financial Services clients.Focusing on Internal Audit, Internal Controls and Regulatory Compliance, we are seeking some...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    • serp_jobs.job_card.new
    USA Sr. Analyst, Credit Risk (048RI1)

    USA Sr. Analyst, Credit Risk (048RI1)

    Santander Holdings USA IncNew York, New York, United States
    serp_jobs.job_card.full_time
    Analyst, Credit Risk (048RI1)Country : United States of America Your Journey Starts Here : Santander is a global leader and innovator in the financial services industry. We believe that our employees ...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_hours
    • serp_jobs.job_card.promoted
    Manager, International Risk Management

    Manager, International Risk Management

    Capital OneNew York, NY, United States
    serp_jobs.job_card.full_time +1
    Manager, International Risk Management.Capital One is one of the fastest growing organizations in the world today and we are growing our tech teams globally. You’ll play a pivotal role in developing...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30
    • serp_jobs.job_card.promoted
    Director, Compliance & Risk Operations

    Director, Compliance & Risk Operations

    Novartis Group CompaniesEast Hanover, NJ, United States
    serp_jobs.job_card.full_time
    Join Novartis in a new role as the Director of Compliance & Risk Operations, responsible for scaling and leading Novartis' Integrated Marketing Organization (IMO)-focused capability that ensures ma...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    Manager Credit Risk Review

    Manager Credit Risk Review

    Webster BankStamford, CT, US
    serp_jobs.job_card.full_time
    If you're looking for a meaningful career, you'll find it here at Webster.Founded in 1935, our focus has always been to put people first doing whatever we can to help individuals, families, busine...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
    • serp_jobs.job_card.promoted
    • serp_jobs.job_card.new
    Credit Risk Management Director

    Credit Risk Management Director

    Santander Holdings USA IncFlorham Park, New Jersey, us
    serp_jobs.job_card.full_time
    Credit Risk Management DirectorCountry : United States of America Your Journey Starts Here : Santander is a global leader and innovator in the financial services industry. We believe that our employee...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_less
    • serp_jobs.job_card.promoted
    Senior Manager, Credit Strategy

    Senior Manager, Credit Strategy

    VirtualVocationsFlushing, New York, United States
    serp_jobs.job_card.full_time
    A company is looking for a Senior Manager, Credit Strategy (Partnerships).Key Responsibilities : Manage and optimize origination underwriting to ensure portfolio performance aligns with risk appet...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_1_day
    • serp_jobs.job_card.promoted
    Wisconsin Licensed Risk Adjustment Manager

    Wisconsin Licensed Risk Adjustment Manager

    VirtualVocationsJamaica, New York, United States
    serp_jobs.job_card.full_time
    A company is looking for a Risk Adjustment Revenue Manager (Remote).Key Responsibilities Develop and implement risk adjustment strategies and revenue management programs Manage auditing processe...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days