Senior Investment Manager

Remote in Toronto, Canada

Role Overview 🚀

At Uncapped, we help ambitious founders realise their dreams. The Senior Investment Manager will sit at the core of our company. You will be responsible for ensuring sustainable underwriting practices across the credit lifecycle of our customers. You will lead a team of Investment Associates and Analysts who will determine the creditworthiness of businesses across their lifecycle and work with a team of work-out experts who will devise solutions for customers in financial difficulty. You will make significant inputs into our lending policies and end-to-end processes. In doing so, you will make decisions to fund thousands of growing SMEs that are the lifeblood of the global economy. Our loan book is poised to grow rapidly. You’ll have the opportunity to work closely with the team throughout the company to improve and automate our underwriting process so that we effectively maintain this trajectory. You will form part of a small team and will report directly to the Investment Director, who will provide the support and resources for you to help shape the role and wider function.

About Uncapped 👫

Founded in 2019, Uncapped is the fastest, most affordable way for growing online businesses to fund marketing and inventory. The company was born out of frustration with the limited financing options available for UK and European entrepreneurs to finance growth.

Uncapped provides working capital loans to brands and retailers around the world, doing between $10m and $100m in turnover.

Uncapped has raised VC funding from most notable investors including Lakestar, Mouro Capital, Global Founders Capital, White Star Capital, Seedcamp, and All Iron Ventures.

What you will do ✍️

We need a lending expert to contribute to the continued growth of the business by assessing credit applications in the context of our policy guidelines and risk appetite. The Senior Investment Manager will:

• Make timely and informed decisions with Analysts and Associates within individual mandates by thoroughly reviewing credit applications and structuring terms for products that customers are eligible for.
• Make recommendations to the Credit Committee for decisions outside of their individual mandates.
• Further our competitive advantage by improving our underwriting rules for existing and new product lines
• Ensure sustained performance of the loan book through regular risk assessments and monitoring of the portfolio
• Collaborate with the Sales and Tech teams to continuously improve and automate the end-to-end application process
• Oversee the portfolio and work closely with collections and work-out teams to ensure that the right decisions are made for customers who are delinquent or are in financial difficulty

Requirements

Who you are 👀

This role will suit someone with a background in SME lending, challenger banks, Venture Debt or other disruptive FinTechs. Someone who is passionate about our products and how we are revolutionising the way startups are funded will be a great advantage. We’re looking for someone with:

• 3-5 years of experience as a Commercial / SME Underwriting team lead or as an Investment Manager.
• Hands-on experience in conducting financial due diligence on large ticket business investment/lending (£1m+) opportunities
• Strong quantitative and financial modelling skills in building and maintaining complex financial models.
• Great attention to detail, with a focus on continuous process improvement
• Critical and first-principles thinking with a willingness to challenge the status-quo suggest new approaches to solving problems
• An excellent team player who is comfortable collaborating with others to resolve issues and move forward.
• Experience with work-out / collections a plus

Benefits

What we offer 🎁

At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect:

• Unlimited holiday: we believe that well-rested and happy people make the best employees
• Competitive compensation plan
• Personal growth fund: Raise your game from great to spectacular
• Monthly recognition and awards: Celebrate wins big and small
• The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
• Workspaces in Warsaw, London and Atlanta

We can only consider applications from candidates eligible to work in Canada without requiring visa sponsorship.