En Pitney Bowes, hacemos lo correcto, de la manera correcta. Como miembro de nuestro equipo, usted también puede hacerlo.
Contamos con personas increíbles que son la fuerza impulsora, la inspiración y la base de nuestra empresa. Nuestra cultura de prosperidad puede dividirse en cuatro componentes: Cliente. Equipo. Ganar. Innovación.
Buscamos activamente candidatos que:
• Sientan pasión por el éxito del cliente.
• Disfruten al colaborar con otros.
• Se esfuercen por superar las expectativas.
• Muestren audacia en la búsqueda de soluciones que sean superiores e insuperables en el mercado.
Descripción del trabajo:
Pitney Bowes Bank is looking for a talented Chief Credit Officer who thrives in a fast-paced, collaborative environment and is driven to make meaningful impact.
For the past 100+ years, Pitney Bowes has been dedicated to growing alongside our small and large business customers, evolving our portfolio of products and services to meet their ever-changing needs. Pitney Bowes Bank plays a significant role in achieving these important objectives for our customers. By providing payment solutions, working capital financing, equipment lending and leasing, and structured financing solutions, the Bank is well positioned to keep our customers running and scaling smartly.
As the Chief Credit Officer, you will play a pivotal role in shaping and executing growth and credit strategies. You will be responsible for establishing and maintaining a robust credit risk management framework, ensuring the company's credit approach aligns with business objectives and regulatory standards. This position requires a strategic thinker with a deep understanding of credit risk, regulatory compliance, and a proven track record of building successful credit programs across multiple products and market segments. Given the significant opportunities and transformation needs ahead, the CCO will be instrumental in identifying creative solutions to unique challenges and providing thought leadership on how to best build and scale the Bank’s products and services.
This role will report to the Pitney Bowes Bank CEO and President and will serve as a member of the Bank leadership team.
Key Responsibilities:
Credit Risk Management:
- Develop and maintain a comprehensive credit risk management framework, including credit policies, underwriting standards, and risk assessment models tailored specifically to the Bank’s lending/leasing products.
- Overseeing the credit risk appetite, procedures, and guidelines for credit products and services across all customer segments.
- Collaborate with cross-functional teams to ensure credit policies are seamlessly integrated into the company's products and services.
- Review and approve/decline proposed loans and leases, making recommendations on loan structure, terms, and pricing.
- Identify, assess, and mitigate emerging credit risks, ensuring the bank's loan portfolio remains sound and compliant with regulations.
- Monitor and analyze the loan portfolio, identifying trends and patterns to make data-driven decisions on credit risk management.
- Conduct regular portfolio reviews to assess asset quality, concentration risks, and emerging trends.
Strategic Leadership:
- Develop and execute the Bank’s credit strategy, aligning it with market trends and company goals. Specifically focusing on the efficient scaling and growth of credit products from large commercial finance to small ticket equipment lending.
- Partner with commercial teams to negotiate terms with large or high-risk clients to secure favorable conditions for the Bank while managing credit exposure.
- Act as a key member and advisor to the executive team and Board, presenting insights, recommendations, and performance updates.
- Implement process improvements and leverage technology to optimize credit operations.
Model Development & Validation:
- Oversee the implementation and ongoing strategies around credit decisioning platforms to ensure accurate implementation of credit underwriting/account management/fraud policies, ensuring accuracy, efficiency, and compliance with established Bank policies.
- Ensure the ongoing accuracy, reliability, and validity of credit risk models, conducting periodic reviews and validation to maintain model performance.
- Stay abreast of industry best practices and regulatory requirements for credit risk modeling, adapting models as needed.
Portfolio Monitoring and Reporting:
- Develop and implement strategies for ongoing monitoring of credit portfolios, ensuring effective analyses and insights to drive credit, collections, and commercial strategies.
- Generate and present comprehensive and informative credit risk reports to the Board, executive leadership and relevant stakeholders.
Team Leadership:
- Lead, mentor, and develop credit risk teams, providing guidance and support for their professional development.
- Foster a culture of accountability, collaboration, and constructive problem solving within the credit risk department and across the organization.
Regulatory Compliance:
- Ensure compliance with all applicable regulations, including state, federal, and industry-specific lending requirements.
- Act as the primary point of contact with regulatory agencies and auditors regarding credit risk management and compliance.
- Keep senior management and the Board of Directors informed of regulatory changes and their impact on credit operations.
Haremos lo siguiente:
• Brindaremos voluntad: oportunidad para crecer y desarrollar nuestra carrera profesional
• Ofrecer un entorno inclusivo que fomente diversas perspectivas e ideas
•Ofrecer oportunidades únicas y desafiantes para contribuir al éxito de una organización transformadora
• Ofrecer beneficios globales a nivel mundial ( pbprojectliving.com )
Como empleadora proactiva y afirmativa, Pitney Bowes brinda igualdad de oportunidades y valora la diversidad y la inclusión en el lugar de trabajo.
Mujeres, hombres, veteranos e individuos LGBTQ+ o con discapacidades pueden presentar su solicitud.
Todas las personas interesadas deben presentar su solicitud en línea. Las personas con discapacidad que no puedan presentar su solicitud a través de nuestra solicitud en línea deben consultar las opciones de solicitud alternativas a través del enlace Individuos con discapacidades.