Senior Credit Risk Analyst

Hoofddorp, Netherlands

This is Worldline. Worldline helps businesses of all shapes and sizes to accelerate their growth journey - quickly, simply, and securely. We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. Our technology powers the growth of millions of businesses across 5 continents. And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.

The O pportunity We are looking for a Senior Credit Risk Analyst to become part of our global credit risk department consisting of several international based teams who have the end-to-end credit risk management responsibility at merchant and portfolio level. Our scope is across several legal and licensed entities within Worldline Merchant Services (MS).

In this challenging role you will be at the core of our organisation with a high level of exposure, supporting Worldline’s growth and profitability by ensuring sustainable new and existing credit exposures and minimalization of credit losses.

As our new colleague you are responsible for the credit risk management for large merchants and the assigned merchant portfolio. You are involved in the negotiating process with merchants and can take well balanced decisions or professionally present your recommendation to relevant Risk Committees for decisioning.

You will work closely with various stakeholders such as sales, account management, legal and other risk departments and can attend (online) meetings with merchants.

Day-to-Day Responsibilities We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

• In-depth financial analyses and enhanced credit assessments, analysing and documenting the merchant business model and sector dynamics, financial performance and key indicators, risks and effective mitigants
• Professional presentation of credit proposals to MS and Goup risk committees
• Performing periodic credit reviews, take on new onboarding requests, handle change request (terms & conditions) and credit exposure/limit increases, watchlist monitoring and collateral management
• Collaborate closely with sales, account management and operations, to ensure smooth onboarding
• Communicate and negotiate effectively with merchants at CFO or treasurer level
• Assess terms and conditions, review legal documents and contract amendments ensuring credit risk mitigation and conditions are correctly defined
• Credit risk approval authority based on your level of experience and expertise

Who Are We Looking For We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

• Enhanced experience within credit risk management, credit ratings and methodologies
• Deep understanding of financial statements and accounting principles
• At least 5 years of analytical experience with corporate credit risk assessments
• Communication and presentational skills
• Negotiation and stakeholder management skills
• Self-driven and solution oriented
• Full working proficiency in English, any additional professional language skills is considered a plus
• Preferable a master’s degree in finance, accounting, business economics, or related field

Perks & Benefits At Worldline you’ll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also:

• Be part of a company guided by a strong purpose to do good and recognized as top 1% of the most sustainable companies in all sectors worldwide.
• Work with inspiring colleagues and be empowered to learn