Credit Risk Analyst
Bambora AB / Bankjobb / Stockholm
2022-09-30
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➡️ Klicka här för den senare publicerade platsannonsen "Credit Risk Analyst" (publicerad 2023-10-18) ⬅️
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hela Sverige The opportunity
We are looking for a Credit Risk Analyst to become part of our global credit risk department with our international based teams who have the end-to-end credit risk management responsibility for our merchant verticals.
In this challenging role you will be at the core of our organisation with a high level of exposure and be able to communicate with large (sometimes listed) merchants at CFO or Treasurer level. You will work closely with sales supporting Worldline's growth and value creation ambitions and have the responsibility for managing the associated credit risks in an assigned portfolio of merchants.
As our new colleague you will perform in-depth credit analysis, conduct credit memos and perform annual reviews of merchants to assess their creditworthiness. You recommend appropriate credit limits, terms and conditions and present your proposal to the relevant Credit Risk Committees for decisioning.
You will work closely with various stakeholders such as sales, account management, legal and other risk departments and also attend meetings with merchants.
You can be based in Sweden (or The Netherlands) and work hybrid from home and at our office in Stockholm (or Amsterdam).
About the team
Our global credit risk team is part of 1st line risk & compliance and has an end-to-end credit management responsibility for the verticals Key Accounts (e-retail, wholesale, entertainment, event ticketing, gaming, payment facilitators etc) and Travel & Hospitality (airlines, cruise lines, hotels chains, online travel agencies). We are tasked with underwriting and reviewing new and existing merchants, monitoring non-delivery exposure and credit quality.
The credit risk department is growing and currently consists of 16 colleagues spread across different offices at international locations. The regular exchange with experts from different countries ensures exciting daily work and challenges at the same time. In Credit Risk we are globally minded with a FinTech atmosphere. You will experience this in your everyday life as a Worldliner.
Your day-to-day responsibilities
• In-depth financial analyses (P&L, BS and CF) and conduct detailed underwriting / credit assessments documenting the merchant business model and sector dynamics, financial performance with the key indicators, credit risks and mitigants.
• Presenting your credit proposal to divisional and group risk committees
• Carry out annual/periodic credit reviews of assigned limits and recommend risk class, changes in limit and collateral setup based on the outcome of the analysis
• Collaborate closely with business development and advise/support them on the boarding process
• Communicate effectively with merchants at CFO or treasurer level
• Review legal documents and amendments ensuring compliance with policies and procedures
• Credit risk signing authority (based on your level of expertise/experience)
Signs of success
You are result-oriented and diligent with a strong ability to prioritize work in a fast-paced and changing environment. You have a good sense of responsibility and always strive for perfection and deliver simplicity. Previous experience with credit assessment, including assessing financial statements and business risk profiles.
Skills we can't do without
As our new Credit Risk Analyst,
• You've got substantial knowledge and a deep understanding of financial statements, financial & cashflow analyses and accounting concepts
• Have 1 to 5 years of analytical experience with credit risk assessments and credit ratings
• You possess strong communication, negotiation and stakeholder management skills
• Full working proficiency in English
• A bachelor's/master's degree in finance, accounting, business economics, or related field
Skills we'd like
It would be great if you have the following skills,
• Payment & FinTech industry knowledge
• Specific sector knowledge
Grow with us, create tomorrow
At Worldline, we are dedicated to helping our people unlock their full potential - both professionally and personally. With comprehensive training and development programs, expert communities, and global mobility programs, you will always be able to develop and grow at Worldline - wherever you want to go and whatever you want to do. We also offer flexible hours and remote working, to empower you to be your best self at work and at home. 8 in 10 Worldliners consider Worldline a friendly place to work, and 9 in 10 are satisfied with the training & development they receive.
Worldline is proud to be an Equal Opportunity employer. We do not discriminate based upon race, religion, colour, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or other applicable legally protected characteristics.
Learn more about life at Worldline on careers.worldline.com
Publiceringsdatum2022-09-30Så ansöker duSista dag att ansöka är 2022-10-30
Klicka på denna länk för att göra din ansökanFöretagBambora AB
Omfattning Detta är ett heltidsjobb.
Arbetsgivare Bambora AB (org.nr 556233-9423)
Jobbnummer 7029251
Observera att sista ansökningsdag har passerat.