WorldPay 16 Hestham Cres, Morecambe, Morecambe, Lancashire LA4 4QF, UK
Dec 12, 2017Full time
Why is our Credit Risk team the next step for you? Worldpay is growing, as we continue to partner with global organisations our Credit Risk team need to be the gatekeepers for loss averting decision making. Our key aim, ensuring the risk of loss to Worldpay is minimised. This is a key role supporting the ongoing development of the risk credit management function when accepting new business and retaining existing merchants. A core aspect of your role will be managing a portfolio of merchants through analysing both financial and non-financial information in order to complete a detailed assessment. How will you add value on a day-to-day basis? As Senior Credit Analyst within the team your primary responsibility will be to undertake in depth credit risk assessments of both new and existing merchants. This will include gathering and reviewing relevant financial and non-financial information needed to complete a credit review. You'll be 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 this will need to be communicated back to the relevant parties. What will make you the ideal candidate? You must have at least 2 years' experience in Commercial (B2B or B2C) credit risk assessment or underwriting role. You must have the ability to work under pressure to tight deadlines. You will have gained experience interpreting financial accounts and large amounts of data and converting it into key information to produce clear and concise reports. A keen eye for the smaller detail is essential, ensuring that pertinent information that may influence the credit review or decision is included. This is a high profile role with lots of interactions stakeholders both internally and externally. You will 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? 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. 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.