Job Description

We're looking for a Group Credit Risk Lead to join our growing team and help us build a world-class credit risk management function. You'll play a crucial role in protecting Wise and our customers while enabling sustainable growth across our products globally.

Your Impact:

• You will be one of two leads owning Credit Risk and Counterparty Credit Risk management globally acting as the first line of defence and reporting to the Corporate Treasurer.
  
• Design, develop and enhance Credit Risk frameworks that support product innovation while maintaining robust risk controls
  
• Partner with Wise Platform team to assess credit risk implications of existing and new products, providing strategic advice and risk-based pricing recommendations
  
• Evaluate and monitor the creditworthiness of existing and potential partners/customers
  
• Analyze credit data and financial statements to determine credit limit and credit term to partners/customers that are in line with internal risk appetite
  
• Collaborate with second-line Risk and Prudential teams on regulatory requirements (ICAAP/ICARA/ILAAP), including harm assessments and residual risk identification
  
• Perform stress testing and scenario analysis to assess potential impacts on the portfolio
  
• Build and maintain relationships with banking partners through periodic reviews and risk assessments aligned with our credit risk policy
  
• Own and develop the global Credit Risk Policy framework
  
• Work cross-functionally with Payments and Treasury Operations teams to implement automated credit risk controls and monitoring systems
  
• Serve as the primary subject matter expert for credit risk considerations in new product expansions
  
• Provide regular reports and insights to senior management on credit risk exposure and trends
  
• Act as a trusted advisor to ALCO and Credit Risk Committee on credit risk decisions