|Credit Risk Analyst|
|Legal and Compliance|
|Why is our Credit Risk team the next step for you?
In Manchester our SME Credit Risk team are responsible for underwriting the credit risk of Small to Medium Enterprises who apply to use our payment services, whilst also monitoring our existing portfolio of merchants. Our objective is to be an integrated and valued partner with our colleagues to support growth through risk based decision making. Using a holistic approach, the team will review both financial and non-financial information in order to complete a risk assessment of a company, primarily to ensure that the risk of loss to Worldpay is minimised with regards to accepting new business and retaining existing merchants.
How will you add value on a day-to-day basis?
As a Credit Analyst you will be a key player of the risk function, whose primary responsibility will be to undertake credit risk assessments of new and existing merchants. This will include gathering the relevant information needed to complete a credit review, which is often both financial and non-financial, either by liaising with the sales team with regards to new applications or going directly to the merchant when monitoring an existing relationship. This information will need to be assessed and reviewed, highlighting any pertinent credit risks and weighing up any merchant potential loss to Worldpay, before a decision is made. Once the decision has been approved, either by yourself if you have Designated Authority or by another member of the team, this will need to be communicated back to the relevant parties.
What will make you the ideal candidate?
Ideally you’ll have some experience in Commercial (B2B or B2C) credit risk assessment practices. You must have the ability to work under pressure to tight deadlines without this affecting your ability to produce clear and concise reports, which must include all of the pertinent information. You will need to be comfortable interpreting financial accounts and have a keen eye for the smaller details that may influence the credit review and decision. You must have the confidence and assurance to manage difficult conversations, both internally and externally, in communicating credit risk decisions which may be unfavorable; this may be declining new business or closing down an existing merchant, for example.
How is Worldpay changing the world?
On a typical day Worldpay process over 31 million mobile, online and in-store transactions – that’s around 400 a second. In the UK we process approximately 42% of all transactions.
Each and every time you use your debit card or credit card to pay for something, whether online or face-to-face, there’s a good chance it happened because of us. Working with customers large and small, we help them to take your payments quickly, safely and reliably, allowing them to grow their businesses and making your life more convenient in the process.
Would you like to apply to this job?
Our purpose is to be the partner for connected commerce for businesses around the world. We do the right thing by providing the best possible service and helping our customers to prosper.
We provide the essential financial tools necessary to support businesses. As our customers approach the new order of commerce, we aim to connect dots the world over, so that whether it requires them to make one connection or fifty, they only need to connect once, through us. This means they’re free to focus on their growth and development while we make it happen.
We simplify payments by breaking through borders and obstacles to help businesses grow. So it’s essential we keep ahead of the curve. This means utilising and developing online payments, merchant apps, mobile, contactless and other technological advancements. We’re proud that we lead the way in creating forward thinking, elegant solutions.
We are the number 1 acquirer globally.
We operate globally and serve merchants across 146 countries with 25 office locations in our key markets.
And we process 31 million transactions every day across the world.
Whatever your talent and expertise, we’ve got a lot to offer. Match your skills to one of our vacancies.