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

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

Pliant.ioNew York, NY, US
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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
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