At a Glance
- Tasks: Monitor customer sales and credit exposure, ensuring financial risk is managed effectively.
- Company: Join Blackhawk Network, a leader in branded payments across 28 countries.
- Benefits: Enjoy 25 days annual leave, private medical insurance, and flexible working arrangements.
- Other info: Embrace continuous learning and AI integration for meaningful work.
- Why this job: Make a real impact in financial risk management while collaborating with diverse teams.
- Qualifications: BA in finance or related field; experience in credit analysis and data management.
The predicted salary is between 49500 - 60500 £ per year.
About Blackhawk Network
Blackhawk Network (BHN) , we’re shaping the future of branded payments - powering reward, incentive, and loyalty solutions across 28 countries and 400,000+ consumer touchpoints.
From digital gift cards and e Gifts to global employee rewards and customer acquisition tools, our platforms deliver meaningful value to clients and their customers alike.
Learn more at BHN. com
Overview
- Permanent
- Full time, 35 hours per week
- Reporting to Credit Manager
The Sr Credit Operations Analyst is responsible for real-time monitoring of customer sales activity and credit exposure, ensuring effective use of velocity and risk controls to proactively identify and mitigate potential financial risk or fraud.
This role partners closely with Credit Management, Accounts Receivable, and Sales to respond to alerts, manage velocity limits within the Risk Management System, and maintain clear communication on partner credit standing and risk issues.
The Sr Analyst also performs in-depth credit analysis using financial statements and third-party trade data, and designs and maintains reporting and dashboards that provide visibility into key credit performance indicators across the organization.
Responsibilities
- Monitor daily and intra-day sales volumes across customers, identifying unusual trends, anomalies, or activity that may indicate fraud or elevated financial risk.
- Support the creation, maintenance, and dynamic adjustment of velocity limits for customers within the Risk Management System (RMS), responding to threshold alerts in a timely manner.
- Respond to velocity limit alerts; coordinate with the Credit Management, Accounts Receivable, and Sales to update alert and block rules as required to mitigate partner exposure in timely manner.
- Maintain regular communication with Sales regarding partner activity, credit standing, and any identified risk or anomaly requiring attention.
- Coordinate with Accounts Receivable (A/R) to efficiently identify and follow up on outstanding amounts associated with customers.
- Ensure all newly onboarded customers have velocity limits (where appropriate) established in RMS prior to activation; flag any gaps to the Credit Management.
- Assist with periodic audits of customer contracts for financial security language and partner compliance with agreed credit terms.
- Design and maintain reports and dashboards compiling data across multiple platforms/sources to both track and communicate key Credit performance indicators.
- Perform analysis of customer financial statements or other data for existing customers and potential customers with the ability to make credit recommendations based on those findings.
- Interpret trade data from several trade reports (D&B, CRM, Experian) and be able to make credit recommendations based on data.
- Regular interaction with and communication of credit decisions in both written and verbal form with Credit Management and sales.
- Foster and maintain key relationships throughout the organization to facilitate teamwork and results.
Qualifications
- BA in finance, accounting, or related field
- Ability to work under pressure and with multiple teams, in a high visibility team on time sensitive tasks.
- Experience working in fast paced environment.
- Experience with compiling and analyzing large data sets across multiple sources under pressure; general understanding of databases.
- Proficient in excel and dashboards and understanding of databases.
- Experience with financial statements and financial ratio analysis.
- Experience in accounts receivable, credit, accounting, financial analysis, and third party credit data providers.
- Quick-learner and self-starter with attention to detail and accuracy.
- Proactive thinker who anticipates issues and suggests solutions.
- Experience working with global teams in different time zones.
We seek candidates who not only demonstrate curiosity and adaptability in emerging technologies but have also successfully implemented and utilized AI tools to enhance their work, improve processes, or deliver measurable results.
Our teams embrace continuous learning and the thoughtful integration of AI to create meaningful impact – for our employees and the future of work.
Employment is contingent upon the successful completion of a background check.
Benefits
- Work-Life Balance: 25 days annual leave, birthday time off, and volunteering leave.
- Health & Well-being: Private medical insurance, employee assistance program, enhanced parental leave, and free eye tests.
- Financial Rewards: Group income protection, pension scheme, and exclusive discounts with our b Yond card.
- Flexibility & Engagement: Office group activities and support for physical and mental health.
- Recognition: Participate in Flyers, our leading recognition program with financial rewards.
Hybrid: Typically 2 days per week in the office. We’re open to flexible working arrangements and will consider reasonable adjustments in line with individual needs.
Candidate Journey at BHN
- Stage 1: Shortlisting of suitable candidates
- Stage 2: Screening Call
- Stage 3: Interview(s) with Hiring Manager(s)
- Stage 4: Feedback/Hired
Join us and be part of a company that’s shaping the future of branded payments. Apply today and take the next step in your career!
Blackhawk Network is an equal opportunities employer.
We value diversity and are committed to creating an inclusive environment for all employees.
We welcome applications from all backgrounds and will make reasonable adjustments throughout the recruitment process.
Sr. Credit Analyst employer: Blackhawk-Network
At Blackhawk Network, we pride ourselves on being an exceptional employer that fosters a culture of collaboration and innovation. Our commitment to employee well-being is reflected in our generous benefits package, including 25 days of annual leave and private medical insurance, while our hybrid working model promotes a healthy work-life balance. With ample opportunities for professional growth and a focus on continuous learning, joining our team means becoming part of a forward-thinking company that values diversity and empowers its employees to thrive.
StudySmarter Expert Advice🤫
We think this is how you could land Sr. Credit Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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We think you need these skills to ace Sr. Credit Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Blackhawk-Network.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Blackhawk-Network's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Blackhawk-Network
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Blackhawk-Network.
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Since this is a full-time position, employers at Blackhawk-Network will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Blackhawk-Network employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
