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Risk Associate at Capchase. Location Information: Pakistan. Capchase . is the #1 platform for vendor financing in tech. We help software and hardware vendors offer flexible installment payments as part of the sales process, improving conversion rates and cashflow.  We provide an awesome buyer experience.. Capchase was founded in 2020 and is headquartered in NYC. We’ve provided over $2.5B in funding to thousands of companies and operate in the US and Europe. We are backed by . QED. (Nubank, Klarna), . 01 Advisors. (Tipalti, MasterClass), . Bling Capital. (Airtable, GitLab, Lyft, Square), . SciFi. (Stripe, Brex), . Caffeinated Capital. (Opendoor, Airtable), Thomvest, Invesco and many other leading investors.. Some of our achievements:. ➡ Supporting thousands of software companies and software buyers 👫 80 Capchasers representing 15+ nationalities 🌎 Active in 8 markets 📈 Top Decile Growth 🏅 Ranked #1 across B2B BNPL. In December 2024 we reached the . top of the Installment Payment, BNPL category on G2. , #1 in B2B.. Why work with us?. Help accelerate an industry!. At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed, we move and innovate fast. We’re always looking for the brightest minds to join us. We’re a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us!. About the job. As a Risk Associate, you'll play a key role in reviewing the credit profile of potential borrowers and approving credit. You'll be part of a global team of credit professionals executing our credit policy to make every loan profitable. We strive to deliver industry-best response time on credit reviews using a tech-first approach to gather and review information about potential borrowers. You'll also work cross-functionally to develop deep financial expertise and help our vendor partners close more deals.. Responsibilities. Performing risk assessments on potential commercial borrowers based on commercial credit bureau information, internal borrowing history, and other firmographic and risk factors. Evaluating compliance requirements (including OFAC and KYC screening). Efficiently and accurately employing a proprietary credit policy to assign borrower ratings, credit limits, and specific loan features. Clearly articulating when and why additional details or financial documents are required. Evaluating borrower documents to ensure accuracy and completeness. Spreading customer financial information and analysing standard financial ratios. Supporting colleagues and leaders in large, complex transactions. Recording loan application decisions and the specific basis for decision. Performing all duties with a focus on client relationships and superior customer service. Requirements. 3-5 years of experience in commercial financial services, credit risk preferred. 3+ years underwriting commercial borrowers. 2+ years in a transactional operations environment with high-volume processing. Bachelor's degree in finance, engineering, computer science, or related discipline. Strong analytical capabilities with excellent attention to detail. Experience with US commercial lending practices. Ability to maintain US working hours and holiday schedule. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.