Director of Credit and Compliance

Own the credit, underwriting, and regulatory infrastructure behind Matium’s insured and finance-enabled transaction layer. You will ensure every verified transaction is compliant, underwritten, and scalable as volume grows across vertical markets.

Detailed Job Description

Credit & Underwriting Oversight

• Develop and manage buyer underwriting standards for marketplace participation
• Oversee transaction approval workflows tied to insured and financed trades
• Coordinate with trade finance and credit insurance partners to ensure coverage integrity
• Establish risk thresholds and exposure limits across counterparties
• Monitor portfolio risk and proactively manage credit concentration

KYC / AML & Regulatory Compliance

• Design and enforce KYC and AML procedures across all verified participants
• Oversee beneficial ownership documentation, sanctions screening, and ongoing monitoring
• Ensure counterparty verification standards are consistently applied
• Maintain audit-ready documentation for compliance reviews
• Stay current on regulatory changes affecting trade finance and payments

Transaction Governance

• Work closely with Verified Agents to ensure transactions meet underwriting and compliance criteria
• Implement structured approval systems that balance risk and velocity
• Partner with Accounting to ensure clean settlement reconciliation
• Establish escalation protocols for risk exceptions

Risk Analytics & Monitoring

• Develop reporting frameworks to track exposure, loss risk, and insured volume
• Monitor transaction patterns for fraud, irregular activity, or concentration risk
• Partner with Data/Analytics to refine risk scoring models
• Ensure compliance systems scale as new verticals are launched

Cross-Functional Leadership

• Collaborate with CFO to align risk strategy with capital and liquidity management
• Support Head of Marketplace in embedding risk controls seamlessly into product workflows
• Partner with Market Development to ensure onboarding standards are clear and enforced
• Serve as internal authority on trade risk and regulatory integrity

What Success Looks Like

• Clean underwriting framework that scales with GMV growth
• Zero breakdowns in insured transaction integrity
• Strong KYC/AML enforcement without slowing marketplace velocity
• Clear visibility into exposure and counterparty risk
• Audit-ready compliance infrastructure as transaction volume expands

Desired Skills & Requirements

• 8+ years of experience in credit underwriting, trade finance, risk management, or compliance
• Experience working with credit insurance structures preferred
• Strong understanding of KYC, AML, sanctions screening, and counterparty verification
• Experience in fintech, trade finance, banking, logistics, or marketplace environments preferred
• Strong analytical capabilities and familiarity with risk modeling
• Ability to design structured processes that scale
• High attention to detail and regulatory discipline
• Strong communication skills and ability to operate cross-functionally

Compensation

• Base Salary: $150,000 – $185,000 (commensurate with experience)
• Equity participation
• Performance-based bonus potential
• Full benefits package

Our Core Values

Work Smart

We believe in thinking before acting. Strategy comes first. We ask better questions, challenge assumptions, and design systems that scale. Speed matters — but intelligent speed matters more.

Be Open

We are open to learning, open to being wrong, and open with each other. We value honesty over comfort and transparency over politics. Growth requires humility — and humility creates trust.

Move Forward

We reflect, we learn, and then we keep going. We do not dwell on mistakes or cling to ego. We correct, adapt, and progress. Momentum is earned through consistent forward movement.