Director, Credit & Risk - Small Business Score-Based Adjudication

At TreviPay, we believe loyalty begins at the payment. Thousands of sellers use our global B2B payments and invoicing network to provide choice and convenience to buyers, open new markets and automate accounts receivables. With integrations to top eCommerce and ERP solutions and flexible trade credit options, TreviPay brings 40 years of experience serving leaders in manufacturing, retail and transportation.  

Every day, TreviPay employees are challenged and empowered in a supportive, collaborative, entrepreneurial environment. 

The Director, Credit & Risk – Small Business is a senior leadership role responsible for driving scalable, client-centric growth through the development and oversight of score-based credit adjudication strategies. This role leads a team focused on the automated and semi-automated evaluation of small business credit applications, leveraging data models, credit scoring systems, and risk analytics to ensure consistent, policy-aligned decisions across a high-volume portfolio.

This leader will assist in shaping the credit risk framework for small business lending, ensuring that risk is managed within prescribed thresholds while enabling speed, efficiency, and customer satisfaction. The Director will collaborate cross-functionally with the Decision Science, Compliance, Account Management, Collection and Support teams to continuously enhance the adjudication process and risk strategies.

Key Responsibilities

Score-Based Credit Risk Strategy & Execution

•           Oversee the daily operations of a team of a team of Credit Analysts who are responsible for final adjudication of applications that fail to auto-decision. 

•           Ensure credit decisions are consistent, data-driven, and aligned with the company’s risk appetite and compliance standards.

Team Leadership & Operational Excellence

•           Manage and mentor a team of credit analysts, fostering a high-performance culture focused on accuracy, efficiency, and innovation.

•           Responsible for building and inspiring a strong team culture and employee engagement.  

•           Establish and monitor KPIs related to decision turnaround time, process controls and overall team performance.  

•           Drive automation and workflow optimization to support scalable growth in small business credit originations.

Cross-Functional Collaboration

•           Partner with the Decision Science team to refine credit scoring models and integrate them into decisioning platforms.

•           Collaborate with Account Management, Compliance, Collection and Customer Success teams to ensure credit policies support business objectives while maintaining prudent risk controls.

•           Serve as a key stakeholder in the development of fraud detection and identity verification protocols within the adjudication process.

Governance & Policy Development

•           Work with the Credit Policy Group to develop and maintain policies and procedures specific to score-based adjudication for small businesses.

•           Ensure compliance with regulatory requirements and internal audit standards.

•           Provide regular reporting and insights to executive leadership on portfolio performance, risk trends, and strategic opportunities.

Qualifications

Required

•           Bachelor’s or Master’s degree in Finance, Economics, Business, or related field.

•           10+ years of experience in small business credit, with at least 5 years in a leadership role.

•           Deep understanding of credit and fraud scoring models, automated decisioning systems, and small business risk assessment and the credit regulatory environment.

•           Proven experience managing high-volume credit operations and adjudication teams.

•           Strong analytical, communication, and cross-functional leadership skills.

Preferred

•           Experience with credit and fraud decisioning strategies.

•           Familiarity with fraud detection tools and practices in digital lending environments.

•           Exposure to international credit risk management and multi-jurisdictional compliance.

•           Experience with continuous improvement methodologies (e.g., Lean, Six Sigma) in credit operations.

Why you will love working at TreviPay

·       Competitive salary

·       Paid parental leave

·       Generous paid time off

·       Medical, dental, vision, FSA, Life/AD&D, long and short term disability

·       401K matching

·       Employee referral program

At TreviPay we believe:

·       in saying yes to unique and challenging requirements

·       empowered team members are creative team members

·       our products make the customer’s day just a little bit better

·       work/life balance makes us all more effective

TreviPay is an Equal Opportunity and Affirmative Action Employer.  We welcome all veterans and disabled applicants.

Individuals with disabilities will be provided reasonable accommodation to participate in the job application and/or interview process. Please contact [email protected] to request an accommodation.