Report to and support the Senior Global Credit Risk Management Team; Monitor and report your portfolio performance (lines granted, current exposure, overdue cases, pipeline, opportunities and risk identified etc); Liaise with local regulatory authorities if necessary; Perform and oversight detailed credit analysis of prospects and clients for the purpose of granting Lending/Supplier Finance Solutions and Foreign Exchange exposure limits with a focus on entity financials, trading cycles and operations; Approve exposure limits to individual clients within a matrix of delegated authority; Present and defend your analysis personally at Credit Committee meetings to senior management, including C-Suite; Engage closely with other teams, specially Front Office and Onboarding/Compliance, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly; Manage an existing portfolio of clients, monitoring their credit standing and risk versus reward for Ebury; Assist with the collections process for overdue payments and communicate decisions with relevant parties; Proactively manage your own pipeline of work, along with taking responsibility to ensure the wider team's SLAs are met; Liaising with analysts and managers across other regions, sharing best practices and adding local insights where necessary; Proactively seek to improve existing and implement new underwriting practices to enable improved efficiency and expansion into new jurisdictions. Minimum 7+ years credit underwriting experience, preferably in the SME space in France; A strong understanding of local accounting principles; Exposure to collections and litigations processes locally to aid management of distressed clients; A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way; Experience of dealing directly with clients, one on one, and resolving issues; An understanding of local lending and basic Foreign Exchange products and services; Experience of building, leading and training effective Credit Risk Management teams and frameworks along with day to day management and monitoring.