Pliant · 4 months ago
Credit Risk Manager - LMM (US) (m/f/d)
United States
Full-time
Remote
Mid, Senior Level
3+ years expPliant is a European fintech specializing in B2B payment solutions. As a Credit Risk Manager - LMM, you will underwrite and manage credit risk exposure to commercial customers across the United States, while collaborating with various departments to evolve credit policies and risk management practices.
Credit CardsFinanceFinancial ServicesFinTech
Responsibilities
Underwriting: 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. Document the key risks and mitigants and propose a well-supported recommendation
Credit decision: Decide on limit requests for customers within your delegated authority, structuring exception cases in line with our risk appetite. Contribute to the design of decision engines that incorporate financial ratio scoring alongside behavioral and transactional signals
Portfolio management: Monitor cohorts and track industry, sector, and regional trends to identify early-warning indicators and concentration risks; propose exposure adjustments and implement risk actions. Contribute to portfolio reviews to ensure KPIs and SLAs are within target levels
Process optimization: Support the automation of underwriting processes by helping identify signals and patterns in customer behavior and translating them into structured rules and decision logic
Due diligence & fraud prevention: Identify and mitigate abuse of our product by reviewing the identity, ownership, operating model and structure of counterparties using public records and financial information; document findings clearly
Innovation: Get to the heart of operational workflows and continuously improve them together with your colleagues. Work across multiple IT systems and help optimize data pipelines and decision flows
Policy & documentation: Draft and maintain clear documentation on credit decisions and processes. Your work ensures compliance with audits and internal governance, making risk procedures transparent and easy to understand
Communication: Partner with Sales, Account Managers, and external stakeholders (e.g. sponsor banks, lenders) to align on credit policy, resolve exceptions, and maintain strong working relationships. Engage directly with customers when needed to clarify ownership structures, financial reporting, or business operations
Qualification
Required
3–5 years of hands-on LMM 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 LMM credit underwriting, including familiarity with fraud detection techniques and red flags in lending, such as transaction-data or pattern-based analysis
Familiarity with LMM 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
Benefits
Health, wellness, and retirement benefits
Company
Pliant
Pliant is a fintech company that provides modular, API-first B2B payment solutions to help businesses.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$225.12MKey Investors
Varengold BankSBI InvestmentAlstin Capital
2025-04-28Series B· $40M
2024-04-17Series A· $19.2M
2024-01-16Series A· $8.7M
Leadership Team
Malte Rau
CEO / Co-Founder
Fabian Terner
Co-Founder & CPO
Recent News
2025-10-16
Tech Startups - Startups and Technology news
2025-10-09
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