Credit Specialist

Job Opportunity: Digital Credit ManagerAt Oyster HR, we partner with leading global businesses to help them hire, manage, and empower talent anywhere in the world.Our teams operate with a 360° ownership mindset — meaning every role goes beyond traditional boundaries to serve broader business needs with agility, intelligence, and proactive leadership.We are seeking a highly analytical, digital-first Credit Manager who is comfortable working in a dynamic, data-driven environment.This role uniquely combines traditional credit evaluation expertise with an ability to understand high-budget digital advertising activity.About the RoleAs a Credit Manager, you will be responsible for evaluating the financial health of clients, underwriting risk, and ensuring the integrity of credit decisions.Manage the full spectrum of credit assessment, including repayment capacity, risk exposure, portfolio quality, and compliance with internal frameworks.Unlike conventional banking credit roles, our digital client base includes performance-driven companies operating substantial marketing budgets.Your insights will directly influence credit approval, risk scoring, client onboarding decisions, and long-term account stability.Key Responsibilities360° Credit AssessmentConduct complete credit evaluations for global clients across digital, agency, startup, and SME sectors.Analyse balance sheets, cash flow, P&L, liabilities, and financial statements.Evaluate digital business performance metrics: CAC, ROAS, ad spend efficiency, recurring revenue health, liquidity ratios, and growth projections.Credit Underwriting & Risk ManagementPrepare and approve credit appraisal notes within assigned limits.Ensure credit decisions comply with our risk standards and global regulatory expectations.Monitor client utilisation, repayment patterns, operational risks, and covenant adherence.Portfolio & Performance MonitoringMaintain a high-quality credit portfolio through continuous tracking and corrective actions.Identify trends in customer behaviour, digital revenue fluctuations, or advertising ROI that may impact risk exposure.Cross-Functional CollaborationWork closely with Relationship Managers, Financial Operations, Legal, Collections, and Account Managers.Provide financial clarity to teams working with high-budget advertising clients.Regulatory & Process ComplianceMaintain adherence to internal credit frameworks, global compliance standards, and due diligence procedures.Keep documentation, risk files, and financial reports up to date.Market & Digital Ecosystem TrackingContinuously monitor industry trends, digital business cycles, advertising cost changes (CPC/CPM), and market shifts impacting client creditworthiness.Bring insights to leadership to refine risk models for digital-first companies.Candidate ProfileWe are looking for someone who is both a strong credit professional and deeply familiar with digital performance marketing economics.Required Qualifications3+ years experience in Credit Management / Credit Underwriting / Financial Risk AnalysisProven experience running or analysing high-budget Google Ads & Meta Ads campaigns (USD 20,000+ monthly preferred)Strong understanding of digital business models: subscription, e-commerce, performance marketing, and agency operationsAbility to interpret CAC, ROAS, retention curves, LTV, blended ad spend, and cashflow cyclesAdvanced analytical skills with the ability to read balance sheets, cash-flow statements, revenue breakdowns, and digital metricsExcellent English communication — both written and verbalStrong understanding of global risk guidelines and due-diligence practicesAbility to work independently, remotely, and adapt to multiple time zonesBenefitsPart-time remote work (flexible hours)Global team culture with high autonomyOpportunity to influence credit decisions across worldwide clientsCompetitive compensation based on experienceFast-growing environment with significant room for career advancementDirect exposure to cutting-edge digital businesses