At a Glance
- Tasks: Manage credit risk for EMEA customers and analyse financial statements.
- Company: Join a leading global payments company with a dynamic team.
- Benefits: Hybrid working, competitive salary, and opportunities for professional growth.
- Other info: Be part of an inclusive team that values innovation and collaboration.
- Why this job: Make a real impact in a fast-paced environment while developing your career.
- Qualifications: 3+ years in credit risk or financial analysis, strong communication skills.
The predicted salary is between 49500 - 60500 £ per year.
Ready to take your career global? 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
- 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 3 years 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
Our inclusive and global teams win together every day. We're proud to have the best minds in the industry, who you can learn from as you grow your career. The people, the energy, the connections - it's unmatched. Come and be part of an ever-evolving company and get dynamic opportunities that go beyond borders.
What makes a Globalpayer?
Globalpayers think like a client, act like an owner and win as one team. We're curious and innovative - always finding better ways to deliver impact. We empower each other to make decisions, and it's our passion that drives excellence in everything we set out to do.
Does this sound like you? Then you sound like a Globalpayer.
Credit Analyst II in City of Westminster employer: Worldpay
Worldpay is an exceptional employer that fosters a vibrant and inclusive work culture in Leicester, where innovation and collaboration are at the forefront. Employees benefit from comprehensive training, ample opportunities for career growth, and the potential for significant earnings, making it a rewarding place to advance your sales career. Join a team that values your contributions and empowers you to make impactful decisions every day.
