London or Paris

We are looking for an experienced credit professional to lead and support the credit team at Hokodo. This team is responsible for optimising the risk-return trade-off of our credit book.

About Hokodo

We’re an international and diverse team of experienced finance, tech, and data science specialists, based in London and Paris whose goal is to modernise online B2B payments.

Our B2B Buy Now, Pay Later solution enables merchants to offer credit terms to their business customers instantly. Merchants integrated with us see a 40% average increase in revenue... and we’re only just getting started.

We already have a list of stellar clients and are scaling rapidly across Western Europe. We’ve also recently raised $40 million in Series B investment which will help us with our mission of enabling 1 million businesses to access a better way to pay by 2025. We’ve made good progress so far with 32,000 businesses already regularly using Hokodo, but we need your support to take us to the next level!

About the role

We’re offering the chance to really make a difference in the world of B2B e-commerce.

As both a lender and a credit insurer, credit decisions are at the heart of Hokodo's business. We are one of the global leaders in applying machine learning and analytics to the field of credit - specifically in order to conduct outside-in evaluations of the creditworthiness of our merchants' buyers. But while we believe in the power of predictive modelling, we also value the broader insight that a human being can add. Our credit team therefore work closely with our data science modellers to ensure that we get the right blend of automated decisioning and manual input.

In this role you will support us to break new ground, as we have an ever expanding range of external data sources, plus our growing internal payment experience, to deliver new insights into B2B buyers' repayment behaviour.

Location: We would like you to work from our office in either London or Paris a couple of days per week.

What you’ll be doing

• Setting the direction for our credit team, determining priorities and resource needs

• Hiring, mentoring, supporting and coaching the team to develop their potential

• Monitoring the performance of Hokodo's credit portfolio and identifying levers we can pull to improve profitability

• Overseeing the framework for reviewing and accepting large buyer exposures, including signing authority levels, the credit review framework, and personally approving large exposures

• Setting the credit underwriting rules in order to optimise offer rate/ bad debt trade-off in our portfolio

• Contributing to the development of our credit and risk scoring algorithms

• Contributing to our business development by structuring solutions for new merchants and identifying ways to fit the merchant's specific use case into our platform

• Managing the relationship with our credit insurer(s) through regular engagement and reporting

Who we’re looking for

• An experienced people manager with a background in credit analysis or credit underwriting

• Experience of automating credit or similar processes through the use technology

• Good commercial acumen and the ability to strike appropriate risk-return tradeoffs

• A good balance between seeing the bigger picture while maintaining attention to detail

• Team player, eager to learn, open to innovation

• Great interpersonal skills, fluent in English with good written and verbal communication skills

Nice to have:

• French language skills

What’s in it for you?

We’re offering the chance to really make a difference to Hokodo and the wider B2B e-commerce industry. The opportunity for personal growth in a fast-moving startup is very real. Your opinion and feedback will be heard and valued. You'll feel a part of a very special family.

We offer a highly competitive salary and benefits package, including share options.