ABOUT HELCIM
Helcim was founded with a mission at heart: to be the world’s most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable, we can empower them to grow and prosper. Simply put, helping small businesses thrive is at the very core of our business model, and we think that’s a great way to do business.
From the very start, we knew that we wanted to be different from every payment processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another “cost of doing business.” We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money, all while treating them like human beings.
THE POSITION
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Drives innovation in risk management by staying abreast of industry best practices and emerging technologies.
- Provides leadership to the fraud function continuously improving processes and better managing risk exposures.
- Develops and implements a comprehensive credit risk assessment framework to identify, evaluate, and prioritize risks factors for new and existing products and processes.
- Implements controls to manage areas of credit risk. Leverages data to track and monitor credit risk exposure across our portfolio, proactively identifying changes in risk indicators.
- Leads the credit risk and fraud operational teams to ensure that credit risk management processes are scalable and seamlessly seamlessly integrated into day-to-day operations.
- Leads and mentors a high-performing team of risk professionals, fostering a culture of excellence, collaboration, and continuous improvement. Provides guidance, coaching, and professional development opportunities to team members.
- Stays informed about evolving regulatory requirements and industry standards related to risk management.
- Serves as an advisor on risk within the organization. Clearly communicates risk strategies, findings, and actions to executive leadership and other relevant stakeholders.
A SUCCESSFUL CANDIDATE
- Understands the need to stay one step ahead in a continuously changing and at times ambiguous risk environment.
- Loves the day to day operations side of things, you have a clear sense of follow through with your projects and you know how to prioritize accordingly when things come up. And they will definitely come up.
- Has some experience in fraud, understanding the unique risks associated with financial service, FinTech, or payments.
- Has experience in lending and can use internal and external data to determine risk tolerance in regards to extending credit.
- Is able to leverage data to develop credit strategies, including underwriting and customer management strategies.
- Has a thirst for data and a keen awareness of how to use it to prioritize work for the risk teams, detect patterns, and solve complicated puzzles.
- Is a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them.
- Has considerable empathy for our customers - typically small and medium size business owners - who will take a human-centric approach to help solve problems.
- Self-starter that thrives in a fast-paced environment and is experienced in building processes and systems from 0-1.
KEY COMPETENCIES
- Proven experience in credit risk and fraud management, bonus if it was with a financial institution.
- Strong strategic thinking abilities, with the capacity to anticipate and proactively address credit risk challenges.
- Cross functional collaboration and indirect influence.
- Data analytical skills, proficiency in SQL is nice to have.
- Previous experience developing underwriting models based on complex risk factors.
- Experience with predictive modeling is considered an asset.
- Excellent communication and leadership skills, with the ability to inspire and motivate teams to achieve ambitious goals.
- 5+ years of relevant experience in credit risk management, lending, or fraud management.
Not checking every box? Please apply anyway! We know that candidates have different experiences that may make them a great fit for this position and for Helcim. We believe that diversity and having an inclusive culture is not only the right thing, but key to our long-term success. Diversity brings more experience, view-points, knowledge and insight about our future. We also want to provide an accessible interview process, so if there’s any accommodations that would make your experience more comfortable, please let us know.
HELCIM CULTURE IS;
Being builders: We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there, invent our way out of problems and we never stop dreaming of better.
Choosing the harder path: We believe that the right decisions are usually the harder ones, so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the long-term, and makes us resilient, so that we not only survive but thrive.
Creating trust: We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn, easy to lose and is tested continuously over time, so we make trust our way of life.
Contributing to a company of many: We are stronger because of our collective passion, diversity, and fellowship. We believe only great teams can accomplish great things, and we ask the very best of each other. Together we create our own future.
WORKING AT HELCIM
Joining Helcim means joining a fast-growing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth - opportunities for faster career growth, for more learning, more impact, and accelerated experience - all while surrounding yourself with incredible people working on interesting problems and delivering great results.
Here are some of the reasons we attract such great people:
The Way of the Helcim: At Helcim, we build a team of engaged, caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcim’s unique culture and environment in our culture book The Way of the Helcim.
Health and dental benefits: Through our Group Benefits, you’ll get access to dental benefits, extended healthcare benefits for drugs, vision, paramedical coverage (e.g. massage therapists, dieticians, mental health professionals), counseling, health service navigation, life insurance, critical illness and disability insurance, and more. All of these benefits come into effect on Day 1 of employment!
Dedicated Health Spending Account (“HSA”): An additional budget available for you to spend on health-related expenses (e.g. eyeglasses, therapy).
Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for non-birthing parents.
Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member, not just people leaders and executives receive equity (aka ownership in the company).
Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.
Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work, so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore, our core hours give team members flexibility to manage other parts of their lives.
Training: Helcim will cover 50% of the applicable training costs of up to $500 per year.
LOGISTICS
Job type: Full-time
Hiring manager: Marjorie Junio-Read
Location: Hybrid, In Office Monday's, Wednesday's + Friday's
Start date: ASAP
Candidates must be eligible to work in Canada and be located in Calgary for this position.
