Senior Credit Specialist

Stenn is one of the leading FinTechs in Europe and a category leader in the verticals and markets it operates in. Founded in 2015, Stenn’s purpose is to connect international SMEs to the global financial system, helping to bridge a reported $3.6 trillion (USD) financing gap through a fast, simple online platform. To date, Stenn has enabled over $18 billion (USD) of finance to SMEs in 3 verticals and 4 markets, with capital provided by several blue-chip banks and institutional fund managers across the globe. 

Rapid expansion continues at Stenn, as under-served SMEs seek financing solutions to manage significant macroeconomic and supply chain disruption; and this follows our $50 million Series A fundraise in 2022, valuing Stenn at $900 million.

Our HQ is in London with employees across the globe, including the USA, Europe and China. We are made up of diverse, highly skilled professionals who work in an innovative way to develop and drive our business further. Our people are empowered to work autonomously through a trusting leadership style which encourages learning.

Stenn are looking for a Senior Credit Specialist. Could this be you?

 

The Role:

As a Senior Credit Specialist, you will work closely with the Credit Manager and will be responsible for planning and executing the strategy for a significant part of the credit portfolio.

 

Responsibilities:

• Development of requisite underwriting principles and parameters for automated underwriting of a part of the credit portfolio. The credit portfolio is usually bifurcated among the Credit Specialists based on specific Geography & Industry sectors.
• Review and enhance the underwriting principles and parameters through continuous testing and feedback.
• Work closely with the Credit Manager for execution of transformative and automation projects related or linked to Credit risk function.
• Work with Credit Manager on specific or larger deals from Enterprise Sales, Structuring and Partnership teams and create adequate solutions.
• Conduct country and industry research and develop strategy for the assigned portfolio or new targets. Create summaries and reports on market trends and news.
• Monitor and regularly assess the quality of the assigned credit portfolio and initiate corrective actions for minimising credit losses.
• Maintain an understanding of current, new, and emerging risk trends within the assigned geographies and industries.

 

Background/Experience:

 

• Minimum 9 years of experience in credit underwriting within the banking or financial services sector or FinTechs with working capital solutions  covering a variety of sectors and jurisdictions with a strong focus on the US SME sector.
• Strong underwriting skills, expert in credit risk principles and financial analysis techniques including assessing creditworthiness.
• Deep understanding of lending environment, wide range of geographies, industries and associated risk sensitivities.
• Proven track record of making sound credit decisions of a significant mandate and managing credit risk in a commercial lending environment.
• Proven experience in interacting with Top management of corporates and managing effective relationships.
• Extensive experience in identifying and improving underwriting models, systems, parameters and processes through automation.
• Sound understanding of cross-border transactions and its implications on the financial statements.
• Exceptional communication, interpersonal and stakeholder management skills.
• Able to work independently and as part of a team, prioritising tasks to meet deadlines in a fast-paced environment.
• Effective collaborator across various teams and ability to work on bespoke projects and be a champion of company’s Values.

We appreciate the support recruitment agencies can provide, however our in-house team do not require any 3rd party assistance at this time. 

At Stenn, we believe that every team member deserves to feel like they belong. We foster a culture of inclusivity, respect, and collaboration where everyone's unique perspectives are valued. Join us and be part of a team where you can thrive and grow, both professionally and personally.