Credit Risk Analyst

Are you ready to write your next chapter?

Make your mark at one of the biggest names in payments. We’re looking for an experienced Credit Risk Analyst to join our ever-evolving Credit Risk team and help us unleash the potential of every business.

Location: London office only - Hybrid Working Option Available

Working out of our London office, you will be primarily responsible for either the initial underwriting of new customers or the end-to-end credit risk management of existing merchants within an assigned portfolio.

What you’ll own as the Credit Risk Analyst

Large Credit Risk actively manage the credit risk exposure generated by our EMEA customers from their card and alternative payment processing activity.

For underwriting, this will involve performing financial assessments of large corporates, proactively engaging with the commercial teams to find solutions that maximise onboarding opportunities, making recommendations in a clear and concise manner, seeking approval from the appropriate sanctioning authority and communicating conditions of sanction to both internal stakeholders and prospective customers.

For portfolio management, this will involve analysing financial statements, compiling credit reviews, dealing with requests for new products/services that generate additional credit risk, seeking increased limits as a result of exception reports and/or alerts/triggers and managing financial deterioration/distress scenarios to minimise the risk of loss

• Undertake credit risk reviews of potential or existing clients

• Proactively engage with the commercial teams to find solutions that maximise onboarding opportunities

• Respond to client specific alerts and/or trigger events as required, including requests for additional products/services and maintain limit and approval systems in relation to your assigned portfolio

• Work closely with the Legal team, negotiating and reviewing bespoke contracts

• Contribute to our continuous improvement process by identifying and implementing process change

• Undertake ad-hoc tasks in support of the overall aim of managing credit risk exposure

What you'll bring

• A minimum of 1yr experience in a credit risk/financial analysis role

• A strong ability to articulate your recommended way forward and explain it to non-Credit Risk colleagues and our clients

• An ability to formulate solutions for new opportunities or challenging financial distress scenarios

• Excellent verbal and written communication skills (good written English is essential)

• Strong computer skills, including familiarity with Microsoft Office products, specifically Microsoft Excel

• An ability to prioritise competing tasks, work autonomously and to sometimes tight deadlines

About the team

To learn more about our winning teams, check out our world-class teams that own it every day.

What makes a Worldpayer

What makes a Worldpayer? It’s simple: Think, Act, Win. We stay curious, always asking the right questions and finding creative solutions to simplify the complex.

We’re dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we’re determined, always staying open and winning and failing as one.

Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career.

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Sourcing Model

Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.

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