Credit Risk Manager

About Us:
Our mission is to help customers save time and money when purchasing commercial kitchen equipment and supplies by providing a customer-centric shopping experience and leveraging our industry buying power.

Role Summary:
We are seeking a disciplined and highly analytical Credit and Risk Manager to protect the company from credit losses while supporting sustainable revenue growth. This role is responsible for reviewing and approving customer credit applications, assigning appropriate credit limits, and managing ongoing credit risk for U.S.-based customers. The ideal candidate has hands-on experience evaluating new customer credit applications, setting credit limits, and working with U.S. credit bureaus and risk tools.

Key Responsibilities:

• Review and analyze incoming customer credit applications, including financial statements, trade references, and third-party credit data, to determine appropriate credit limits and payment terms.

• Approve, decline, or recommend conditional credit decisions in accordance with internal credit policies and risk tolerance.

• Evaluate and set up new customer accounts using Dun & Bradstreet (D&B), Experian Business, or CreditSafe.

• Maintain accurate documentation of all credit decisions for audit readiness and internal transparency.

• Monitor existing customer accounts for changes in creditworthiness and proactively recommend adjustments to credit limits or terms.

• Partner closely with sales and accounts receivable teams to balance risk exposure with revenue growth objectives.

• Identify emerging risk trends across the customer base and escalate potential issues before losses occur.

• Continuously evaluate and improve credit review processes for efficiency, consistency, and decision quality.

Required Skills & Qualifications:

• Minimum 2 years of experience in B2B credit risk, trade credit, or commercial credit analysis, preferably supporting U.S. customers.

• Proven experience setting credit limits for customers and evaluating new customer credit applications.

• Strong working knowledge of financial statements, credit reports, trade references, and risk scoring methodologies.

• Hands-on experience with credit management systems, ERP platforms, or CRMs.

• Familiarity with U.S. credit bureaus and risk tools such as Dun & Bradstreet (D&B), Experian Business, or CreditSafe.

• Exceptional written and spoken English skills.

• Highly independent and comfortable making judgment-based decisions without constant oversight.

• Must be able to work aligned with U.S. business hours to support real-time credit decisioning.

Why Work With Us:

• Fully remote position with flexibility and freedom.

• Special pricing on commercial kitchen equipment and supplies.

• Expert training and company-paid continuous education.

Benefits:

• Competitive salary and bonus structure

• 13th-month pay

• Paid vacation

• HMO benefits