Why is our Credit Risk team the next step for you?
Our SME Credit team, based in Manchester, is responsible for underwriting the credit risk of Small to Medium Enterprises who apply to use our services, whilst also monitoring our existing portfolio of merchants. 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?
The Credit Analyst 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, the successful candidate will 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 unfavourable; this may be declining new business or closing down an existing merchant, for example.
How is Worldpay changing the world?
We are leaders in modern money. 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. On an annual basis our innovations, systems and technology enable billions of money transactions globally. 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.
Manchester / England
October 2, 2017