About the company
Founded seven years ago in Sydney, Australia, Afterpay has millions of active customers globally and is offered at the world’s best retailers around the world including Anthropologie, Revolve, DSW, GOAT, Finish Line, Levi’s, Mac Cosmetics, Ray-Ban and many others. Afterpay is on a mission to power an economy in which everyone wins. Afterpay is completely free for customers who pay on time – helping people spend responsibly without incurring interest, fees or extended debt. Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. We are focused on supporting our community of shoppers. We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing.
Job Summary
You Will
📍Conduct in-depth credit reviews of our highest-risk sellers, including preparing credit memorandums for approval by senior management 📍Lead due diligence calls with prospective and existing sellers to ensure that key risks are fully understood and mitigated 📍Work closely with partners in Sales, Account Management, Legal and Finance & Strategy 📍Present to Credit Committees and partners; effectively represent Credit Risk team and perspectives 📍Support principled risk-taking in emerging products and markets by building frameworks for credit analysis 📍Contribute to the development of credit policies and add structure 📍Proactively identify ways to improve our underwriting and operations; and collaborate to build strategic programs 📍Share insights and expertise with the team; promote accountability for team-level and individual results
You Have
📍4+ years of experience in commercial banking, commercial credit, or payment industries 📍Advanced commercial credit underwriting skills, including complex financial statement analysis 📍Familiarity with diverse risk management tools and techniques 📍Strong professional communication skills internally and externally; able to work with clients to understand their business and gather information 📍Data skills and ability to translate findings into interpretable business case 📍Mandarin language proficiency is required in order to manage China based sellers 📍Experience with negotiating legal documentation a plus 📍SQL a plus
