Portfolio Risk Analyst (UK)

Location

We would like you to work from our office in London a couple of days per week, joining our team of dedicated professionals and making your mark on the world of B2B e-commerce.

About Hokodo
We’re an international and diverse team, based in London, Vilnius and Paris, working to modernise B2B payments.

• Our B2B Buy Now, Pay Later solution enables merchants to offer credit terms to their business customers instantly, resulting in a 40% average increase in revenue for integrated merchants.

• We are scaling rapidly across Western Europe, with a list of stellar clients and have raised a total of over $50 million to support our mission of enabling 1 million businesses to access a better way to pay.

• Join us in our efforts, as we have already made good progress with 50,000+ businesses regularly using Hokodo, but need your support to take us to the next level!

What you’ll be doing - If you get excited by the following, this is the role for you. 

This role is a unique opportunity to learn the nuts and bolts of technology startups and financial services and build a well-rounded skill set alongside a team of experienced business leaders.

We are looking for someone who can learn quickly, grow and make an impact. You will work collaboratively with internal and external teams including Risk & Data AnalyticsCredit & Fraud Underwriting, Product and, Tech and Data Science to optimise the risk trade-offs of our various B2B partnerships. If you thrive in a diverse, fast-moving environment and enjoy building positive relationships, we want to hear from you.
In this role you will;

• Collaborate with our Tech and Business Intelligence teams to create and improve ways to monitor portfolio risk

• Run end-to-end portfolio risk management; detect trends early, analyse the root cause of non-payment or fraud, propose and implement solutions

• Identify predictive variables that can be used in underwriting rules to optimise our risk decisions

• Continuously monitor and optimise our underwriting and pricing decisions at partnership and portfolio levels

• Work with our Sales and Ops team on risk assessing and pricing new deals to support negotiation strategies

• Collaborate with Customer Success and Product teams to ensure understanding of risk performance metrics and successful Merchant launches

Who we’re looking for - At Hokodo, we prioritise hiring individuals who share our mission and values, and possess the right attitudes and behaviours for success. While some of the listed requirements may be important, don't worry if you don't meet all of them, we’d still like to hear from you.

In light of these responsibilities, we’re looking for a candidate who has:

• A degree in STEM or other numerical subjects

• ~3 years experience in managing risk underwriting and pricing analysis

• Proven analytical skills using SQL, Google Sheets or Excel for data extraction, manipulation and visualisation

• Excellent verbal and written communication skills

• Strong organisational skills with the ability to multitask

• Comfortable in a fast-paced and tech-driven startup environment where change is constant

• A strong work ethic with keen attention to detail

• A commercial mindset, curious, creative and can take initiative
  

Nice to have: 

• Coding experience in Python 

• Experience working with data visualisation tools

• Prior work experience within payments, finance or banking

• An additional European language
  

Interview Process

• Intro, company fit and run through career history with the Talent team - 15-30 minutes - Video Call 

• Live Pen and Paper Case Study with the Hiring Manager - 60 minutes - Video Call

• Competency and team fit interview with the Hiring Manager and the VP Credit & Fraud Risk- 60 minutes - Video Call

• Meet the team and Co Founder - Circa 90 minutes - Face 2 Face

What’s in it for you?

We’re offering the chance to really make a difference to Hokodo and the wider B2B payments and e-commerce industry. The opportunity for personal growth in a fast-moving startup is massive. Your opinion and feedback will be heard and valued. You'll feel a part of a very special team.

We offer a highly competitive salary and benefits package, including share options.

📈 Share Options

🏖️ Holiday entitlement: 25 days + bank holidays

💪 Hoko-Flex: additional flexible leave

🎓 Annual Learning and Development budget

✈️ Globetrotter travel policy: Spend up to 60 days abroad each calendar year

🏥 Health Insurance

👶 Enhanced Parental Leave

🌴 Yearly offsites and other company socials: Previously, we have been to Malta & Majorca, as well as regular meetups in London and Paris. 

🧓 Pension: (we know this is not really a benefit - but we get asked a lot about pension contributions) Employer contribution of 3% and individual contribution of 5% based on qualified earnings.

Our values

Hokodo is more than a place to work. We're passionate about making our industry better and aren't afraid of the competition. We pride ourselves on our culture of down to earth employees who are always willing to go the extra mile to help each other out!

• Own the Outcome - We’re committed to our tasks, and take pride in the outcome. It’s never “not my job”. We are bold, we are brave, and we embrace change in all its forms. 

• Trust and Build Trust - We are committed to earning and fostering trust through honest communication and deliberate actions. We support our team and value each other’s time, input, and take local decisions where possible. 

• Never Be Satisfied - We challenge the norms and act boldly, even if it means failing. We are reflective, always learn from our mistakes, and continuously seek feedback and ways to improve. When something’s not quite right, we crave to fix it. We’re open to being challenged, and challenge others openly. 

• No Passion, No Point - We bring passion and energy to everything we do. We get a lot done, and we have a good time doing it. We take every opportunity to celebrate our hard work, our wins - and some of our failures too! 

• Be Genuine (No BS) - We are truthful and honest in our actions. We embrace and respect our individuality and encourage people to speak their mind. We are transparent and committed to doing what’s best for each other, our customers and our company. Put simply, we care. 

Don’t tick all of the boxes? Neither do we.

We are driven by hiring not only by experience and relevance for the role but also our mission and values, and possess the right attitudes and behaviours for success. We celebrate anything ‘outside of the box’, so if you don’t meet all of the listed tickbox criteria, please do still apply as we’d love to hear from you.

The diversity of our team reflects the diversity of our community and customers. We not only welcome but celebrate diverse communities. We feel we have an empowering environment where everyone is supported and respected, and we want you to feel this too. We welcome new ideas, thinking and approaches and listen intently, and we are strongly committed to learning and improving on this as we grow.