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 career growth.
- Other info: Inclusive culture with unmatched energy and connections.
- Why this job: Make a global impact while developing your skills in credit risk management.
- Qualifications: 3+ years in credit risk or financial analysis, strong communication skills.
The predicted salary is between 60000 - 75000 £ 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 As The Credit Risk Analyst II
- 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. Apply now to take your career global.
Credit Analyst II in London employer: Worldpay
Join a leading global payments company in our London office, where we foster a dynamic and inclusive work culture that prioritises employee growth and collaboration. With hybrid working options and a focus on continuous improvement, you'll have the opportunity to develop your skills alongside some of the best minds in the industry while making a meaningful impact on credit risk management. Experience a workplace that empowers you to think like a client and act like an owner, driving excellence in everything we do.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst II in London
✨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
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
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.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Worldpay. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst II in London
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 Worldpay.
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 Worldpay'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 Worldpay
✨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 Worldpay.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Worldpay 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 Worldpay 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.
