Analyst II, Credit Portfolio Management

We are Checkout.com – where the world checks out. For thousands of companies shaping the digital economy, our global multi-product payments network delivers high-performance money movement, processing billions of transactions annually. We help enterprise businesses boost acceptance rates, combat fraud, and turn payments into a major competitive advantage. Headquartered in London and with offices across the globe, Checkout.com is trusted by world-renowned brands such as eBay, DocuSign, Vinted, Uber Eats, Klarna, Wise, Sainsbury’s, The Financial Times, Grab, and Sony.

This is a career-defining opportunity at a generation-defining company. There is no finish line at Checkout.com; we set ambitious goals, build with intent, and move at speed – always guided by our values as we strive to create a brighter future for payments across the online ecosystem. Our teams solve complex challenges that demand focus, ambition, and accountability. For those who thrive in pursuit of peak performance; those ready to grow, deliver, and be recognized for it – there’s no better place to be.

The Credit Analyst will play an important role within our growing Credit Portfolio Management team. Responsible for owning and managing a portfolio of merchants, you will use your judgment to carefully balance risk and reward. Undertaking periodic credit reviews, you will identify risk concerns and take the necessary actions to protect Checkout.com where required, whilst also seeking opportunities to expand relationships with merchants that have favourable credit profiles.

Key attributes for this role are the ability to analyse financial statements and data, distill it into succinct recommendations and to communicate effectively with internal and external stakeholders.

• Assess business risk and determine credit risk exposure on existing merchants to determine appropriate course of action.
• Analyse financial, bank and processing statements to assess creditworthiness.
• Prepare concise oral and written summary recommendations regarding findings, issues, and mitigants to risks.
• Own a portfolio of accounts, making credit decisions within an individually assigned approval authority and recommendations as appropriate.
• Assist the Commercial team with customer calls (and occasionally meetings), requiring explanation of specific credit risks and decisions related to those assessments.
• Monitor and investigate merchants’ credit card processing activities using internal and external risk monitoring tools.
• Work closely with the Risk Monitoring team, to provide support on credit risk related topics.
• Identify and help implement solutions for operational efficiencies.

Requirements:

• Experience working within a risk related role, ideally within the payments industry.
• Basic financial analysis skills, with desire to improve and learn.
• Comfortable explaining and communicating difficult decisions to customers.
• A highly analytical team player who loves to evaluate degrees of financial and credit risk.
• Ability to exercise sound judgment.

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com: We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.