Engineers, looking for a new opportunity?

Ideal Candidate Profile:

• Past experience in Asset based lending / Collateralized Lending
• Looking to build systems from scratch in a pre PMF startup environment
• Self-motivated, high integrity, strong collaborator
• Lifelong learner, Excited by Steep learning curves, new industries, new approaches
• Product driven mindset
• Strong problem-solving, mathematical and analytical skills
• Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization
• Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data
• Ability to apply Financial Analysis and Calculations to Digital Data tables
• Broad range and curiosity of various markets including manufacturing, sourcing and supply chain
• Good Research skills
• Excellent written and verbal communication skills
• Ability to maintain confidentiality
• Proficiency with computers and computer software, like programs that aid in statistical and financial calculations

High Level Expectations:

• Ability to work in early stage startup environment
• Strong Understanding of Credit and Loan Leverage Points and Policies
• Ability to work cross functionally with CEO, COO, Operations, Product and Engineering internally and with external embedded software teams
• Establish Standard Operating Procedure for newly established department
• Enter, update and retrieve information for financial records
• Determine the creditworthiness of business applicants
• Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business.
• Ensure that all approved applications comply with bank and lending criteria
• Regular engagement with product management to deliver intelligence on client needs.
• Ongoing, self-directed monitoring of industry trends and developments
• Relationship driven.
• Collaborative mindset and team spirit.
• Understand customer needs.
• Result oriented, over-communicative.

Day to Day Responsibilities:

• Build credit models that are aligned with Credit / Loan policy for financial, and operating cash / inventory analysis of Merchants
• Build data models and calculations that calculate the appropriate ratios and visual credit memos for the Merchant inside embedded and internal applications
• Work with Merchants, and internal MFD team members to gather, collate, validate and analyze data – financial, operating, and inventory data based on internal or standard industry formats.
• Work with Merchants to understand distribution models and assign risk ratings to distribution models based on cash flow, acquisition costs, profit margins and expenses.
• Work with internal and external development teams to implement product level updates and changes to the loan origination, management and servicing / collection phases.
• Manage data sources, documents and update Credit / Loan Policy as required.
• Drive organization initiatives in a self-directed accountable manner
• Build systems and processes that scale around an empowered management with  quick turnaround times.
• Interactively sharing progress to stakeholders.

Must Have Experience / Skills:

• 5+ years experience at Credit / Asset based Lending
• Startup / Fintech Experience preferred
• Demonstrated experience working in a cross functional team.
• Past experience of building new systems, frameworks and implementing credit policy.
• Must demonstrate ability to work cross functionally within a specific industry.
• Demonstrated ability to rapidly learn a new skill / business / industry and execute complex projects with a sharp attention to detail.
• Proficient with Excel, Google Sheets, Adobe Suite, Google Drive, Gmail and Slack.
• Detail oriented and highly organized.

Nice to Have Experience / Skills:

• Startup Culture / Experience working in small, agile, fast moving teams.
• Prior Manufacturing experience.
• Past experience working in a fully remote team across time zones.