Pleo is a dynamic and forward-thinking organization dedicated to excellence in handling risks across everything we do. We are looking for a skilled and knowledgeable individual to join our Second Line Risk and Compliance team as a Risk Oversight Analyst (covering both Credit and Enterprise). This is a unique opportunity to play a pivotal role in shaping and enhancing our risk management strategies and oversight function. As a key member of our Second Line Risk and Compliance team, you will contribute to Pleo’s overall success by leveraging your expertise in credit risk management to empower Pleo, ensuring the effective management of credit risk exposures, and maintaining them within acceptable levels. Your role will also include leveraging your risk management skills within the broader enterprise risk management function. This is a great development opportunity to be engaged in assessing overall group risks, ensuring a comprehensive and cohesive approach to risk management across Pleo! What you’ll get up to As a Risk Oversight Analyst (Credit and Enterprise) at Pleo, you will have a critical role in ensuring the robustness and effectiveness of our Enterprise Risk Management framework. You will provide a second line of defense support and oversight of credit products and offering within our credit portfolio, ensuring effective credit risk management practices and compliance with regulators and industry standards. Your responsibilities will include: Performance Monitoring: Together with our Credit team you will establish key performance and risk indicators (KPIs and KRIs), and monitor performance against these metrics, including through providing oversight reporting and escalating cases of concern Credit Analysis: Apply credit analysis expertise to understand the risk profile of our customers. Evaluate financial statements, credit reports, and other relevant information to assess credit risk, providing a Second Line response to proposals from Credit teams for specific customers Cross-Functional Collaboration: Collaborate with cross-functional teams to ensure up to date risk assessments and reporting, as well as collaborating on required updates to the Pleo’s credit risk-related policies. This will mean working with different stakeholders with different backgrounds, and being able to communicate and influence towards successful risk management You’ll thrive in this role if you have Proven ability to assess and supervise credit portfolios, with minimum 2 years of demonstrated experience in credit risk management (ideally within banking, financial institutions or consulting) An understanding of credit products, risk management frameworks and changes to credit policies Experience in underwriting credit applications Proficiency in data analysis and reporting, ideally in risk-related environments Self-starter, who takes pride in producing top-quality work Ability to work in cross-functional and diverse teams Show me the benefits! Your own Pleo card (no more out-of-pocket spending!) Lunch is on us - with catering in our Lisbon, Copenhagen and London offices or a monthly lunch allowance paid directly together with your salary in other markets Private health insurance to ensure you’re fit in body and mind to do your best work For this team we offer flexibility/remote working options Option to purchase 5 additional days of holiday through a salary sacrifice We’re trialling MyndUp to give our employees access to free mental health and wellbeing support with great success so far ❤️ Access to LinkedIn Learning - acquire new skills, stay abreast of industry trends and fuel your personal and professional development continuously Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work LI-Remote Why join us? Working at Pleo means you're working on something very exciting: the future of work. Our mission is to help every company go beyond the books. Pleo itself means ‘more than you’d expect’, and it’s been the secret to our success over the last 8 years. So it’s only fitting that we’d pass this philosophy onto our customers to help them make the most of their finances. We think company spending should be delegated to all employees and teams, that it should be as automated as possible, and that it should drive a culture of responsible spending. Finance teams shouldn’t be siloed from the rest of the organisation – they should work in unity with marketing, sales, IT and everyone else. Speaking of working in unity, our values tell the story of how we work at Pleo. We have four core values, the first of which is ‘champion the customer’, which means we address real pain points that businesses face. Next up is ‘succeed as a team’, which highlights how our strength lies in our diversity and trust in each other. We also ‘make it happen’ by taking bold decisions and following through to deliver results. Last but not least, we ‘build to scale’, creating lasting solutions that address today’s challenges and anticipate tomorrow’s needs. So, in a nutshell, that's Pleo. Today we are a 850 team, from over 100 nations, sitting in our Copenhagen HQ, London, Stockholm, Berlin, Madrid, Montreal and Lisbon offices —and quite a few full-time remotes in 35 other countries! Being HQ'd out of Copenhagen means we're inspired by things like a good work-life balance. If you don't work in the office with us, we'll help you set up the best remote setup possible and make sure you still have time to connect with your team. About your application Please submit your application in English; it’s our company language so you’ll be speaking lots of it if you join We treat all candidates equally: If you are interested please apply through our application system - any correspondence should come from there! Our lovely support isn't able to pass on any calls/ emails our way - and this makes sure that the candidate experience is smooth and fair to everyone We’re on a mission to make everyone feel valued at work. That’s only achievable if our team reflects the diversity of the world around us - and that starts with you, hitting apply, even if you are worried you might not tick all the boxes! We embrace and encourage people from all backgrounds to apply - regardless of race/ethnicity, colour, religion, nationality, gender, sex, sexual orientation, age, marital status, disability, neurodiversity, socio-economic status, culture or beliefs. When you submit an application we process your personal data as a data processor. Find out more about how your data is used in the FAQs section at the bottom of our jobs page.