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

Pliant GmbH • New York, NY

104d

About The Position

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.

Requirements

• 3–5 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.
• 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.

Responsibilities

• 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.
• Decide on limit requests for customers within your delegated authority, structuring exception cases in line with our risk appetite.
• Monitor cohorts and track industry, sector, and regional trends to identify early-warning indicators and concentration risks; propose exposure adjustments and implement risk actions.
• Support the automation of underwriting processes by helping identify signals and patterns in customer behavior and translating them into structured rules and decision logic.
• Identify and mitigate abuse of our product by reviewing the identity, ownership, operating model and structure of counterparties using public records and financial information.
• Continuously improve operational workflows and optimize data pipelines and decision flows.
• Draft and maintain clear documentation on credit decisions and processes to ensure compliance with audits and internal governance.
• Partner with Sales, Account Managers, and external stakeholders to align on credit policy, resolve exceptions, and maintain strong working relationships.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 101-250 employees