Americas Credit Associate - Credit Underwriter

About Us 

GSCF | www.gscf.com | Rio de Janeiro – Brazil (Hybrid) 

GSCF is a leading fintech company in the working capital finance space, serving some of the largest tech manufacturers globally. By funding, structuring, and servicing accounts receivables portfolios for our customers, we help companies get the most out of their working capital. We help our customers grow their sales, strengthen their balance sheets, and eliminate risk. 

Our formation in 2021 gives us a start-up culture and mindset, while our origins bring deep industry knowledge, extensive specialized expertise, and geographic reach across 59 countries. Despite being a new player in our space, GSCF serviced more than $60 billion in tech accounts receivables volumes in 2021. We are wholly owned and funded by Blackstone, the world’s largest alternative asset manager, which provides us with a large and flexible funding pool, significant relationships, and strategic guidance.  

Our field, global working capital finance, represents a $5.5 trillion total addressable market that is expected to grow an additional 50% by 2026, driven by increased supply chain complexity, digitization of the invoicing process and growing demand for longer payment terms. Our aim is to become the global leader in the working capital finance space. 

GSCF is a global employer with more than 300 employees across 20+ countries. 

The role: 

The GSCF Americas Credit Associate reports directly to the GSCF Americas Credit Officer. The role includes performing full analysis of customers’ financial statements and proposed deal structures, preparing recommendations with adequate terms and conditions for decision makers to facilitate the credit assessment process. It also holds a credit delegation level reflecting the experience and the seniority of the associate. 

How You Will Make an Impact 

• Responsible for credit risk assessments of GSCF transactions for assigned markets in the Americas. 

• Assess existing and potential new obligors, ensuring a balanced approach to credit risk while pursuing GSCF’s revenue and profit targets and minimizing bad debts. 

• Perform full credit assessments of customers and proposed deal structures. 

• Prepare recommendations throughout submission of rating rationale with adequate terms and conditions for decision makers. 

• Manage the credit portfolio, actively engaging with Sales and Operations on credit-related items. 

• Operate within reasonable turnaround times to support business needs. 

• Work in a small team of credit experts, fostering collaboration and communication across the region and various GSCF functions. 

What You Bring to the Team:  

 

• Fluent English and Portuguese, plus fluent or proficient in Spanish  for the specific markets/clients for which you would be directly responsible; 

• Bachelor or university degree in Accounting, Finance, or Economics; 

• Work experience: minimum 3 years working in a Credit Underwriter, Banking, Finance, or Financial Analytical role, preferably within a bank or multinational environment; 

• Proficiency in Office 365 with focus on Excel and PowerPoint; 

• Excellent analytical, interpersonal, and communication skills; 

• Motivation to succeed and drive results in a fast-paced, growing environment; 

• Ability to identify and address challenges and think “outside the box” to recommend solutions to support the business within acceptable risk parameter. 

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, sexual orientation, national origin, or any other category protected by law.