Checkout.com is one of the most exciting fintechs in the world. Our mission is to enable businesses and their communities to thrive in the digital economy. We’re the strategic payments partner for some of the best known fast-moving brands globally such as Wise, Hut Group, Sony Electronics, Homebase, Henkel, Klarna and many others. Purpose-built with performance and scalability in mind, our flexible cloud-based payments platform helps global enterprises launch new products and create experiences customers love.
We empower passionate problem-solvers to collaborate, innovate and do their best work. That’s why we’re on the Forbes Cloud 100 list and a Great Place to Work accredited company. And we’re just getting started. We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our merchants and our partners. And we need your help. Join us to build the digital economy of tomorrow.
Job Description
The Senior Credit Analyst will play an important role within our growing Credit Portfolio Management team. Responsible for owning and managing a portfolio of merchants, you will use your judgment to carefully balance risk and reward. Undertaking periodic credit reviews, you will identify risk concerns and take the necessary actions to protect Checkout.com where required, whilst also seeking opportunities to expand relationships with merchants that have favourable credit profiles.
Key attributes for this role are the ability to analyse complex data, distill it into succinct recommendations and to communicate effectively with internal and external stakeholders.
1. Assess business risk and determine credit risk exposure on existing merchants to determine appropriate course of action.
2. Analyse financial, bank and processing statements to assess creditworthiness.
3. Prepare concise oral and written summary recommendations regarding findings, issues, and mitigants to risks.
4. Own a portfolio of accounts, making credit decisions within an individually assigned approval authority and recommendations as appropriate.
5. Assist the Commercial team with customer calls (and occasionally meetings), requiring explanation of specific credit risks and decisions related to those assessments.
6. Monitor and investigate merchants’ credit card processing activities using internal and external risk monitoring tools.
7. Serve as a mentor to junior team members through training initiatives and credit approvals.
8. Establish solid working relationships with key internal stakeholders.
9. Identify and help implement solutions for operational efficiencies.
10. Stay current on market and industry trends.
Qualifications
Requirements:
1. Experienced credit underwriter / analyst, ideally from a payments, trade credit insurance or commercial lending background.
2. Excellent financial analysis and investigation skills.
3. Comfortable explaining and communicating difficult decisions to customers.
4. A highly analytical team player who loves to evaluate degrees of financial and credit risk.
5. Ability to exercise sound judgment.
6. Comfortable presenting cases to senior leadership.
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