About Us:

Flow48 is a VC-backed fintech startup for B2B lending. Building a seamless, automated, and integrated ecosystem to serve as a platform for SME Working Capital financing under a Revenue Based Finance (RBF) and Invoice Based Finance (IBF) models. We bring a solution to the information asymmetry problem, overcoming traditional lenders’ challenges by building a financing layer for SMEs based on data triangulation and dynamic risk engines.

Key Responsibilities:

• Credit Risk Assessment & Underwriting: Lead the evaluation of potential and existing clients by reviewing credit applications, conducting in-depth financial analysis (balance sheets, income, cash flows), and evaluating key ratios and trends to determine creditworthiness, limits, and terms.
• Investment Committee (IC) Representation: Prepare detailed credit analysis reports, maintain precise credit files, and present credit proposals directly to the Investment Committee for final approval.
• Market Expansion & Capability Building: Take direct ownership of building and scaling credit risk capabilities, ensuring alignment with regional market dynamics and regulatory standards.
• Tech & Data Collaboration: Partner closely with Technical, Data, and Risk teams to build, optimize, and automate Flow48's credit infrastructure and risk decision engines using both traditional and alternative client data.
• Portfolio Monitoring & Risk Research: Lead regular credit reviews, track portfolio health to catch early warning signs of default, and conduct continuous market/industry research to refine underwriting models.
• Team Leadership & Client Engagement: Mentor and manage a team of risk analysts, oversee data gathering and verification workflows, and communicate directly with clients to clarify complex financial queries.

Qualifications & Skills:

• Bachelor’s degree in business, Finance, Risk Management, or a related field.
• 7+ years in credit risk, financial analysis, or underwriting, with 3+ years in a senior leadership role within a fintech, digital lending platform, or financing space.
• 3+ years of experience in risk operations, lending, fintech, or financial services.
• Strong understanding of credit risk, operational risk, and process optimization.
• Experience with reporting tools (e.g. Amazon QuickSight), CRM (e.g. Salesforce), and Loan Management System (LMS) platforms.
• Proven ability to manage cross-functional teams and external partnerships.
• Strong analytical, problem-solving, and process improvement skills.

Desired Attributes:

• Experience in alternative lending, invoice financing, or revenue-based financing.
• Knowledge of automation tools and AI-driven risk management.
• Ability to develop and implement training programs.
• Strong communication and stakeholder management skills.
• Ability to thrive in a fast-paced, data-driven environment.