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Opportunity Awaits

Credit Risk Analyst

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Date posted 09/12/2023 Location Brussels | Belgium, Zaventem | Belgium, | Belgium Company Worldline

The Opportunity

Our global credit risk team is part of Merchant Services 1st Line Risk department 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.

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 need to be based in Belgium and can work hybrid from home and at our office in Brussels.

Day-to-Day Responsibilities

  • In-depth financial analyses (P&L, Balance sheet and Cash flow) 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)

Who Are We Looking For

  • You've got substantial knowledge and a deep understanding of financial statements, financial & cashflow analyses and accounting principles
  • You have at least 1-4 years of analytical experience with corporate credit risk assessments
  • You possess strong communication, negotiation and stakeholder management skills
  • Full working proficiency in English
  • Preferable a master’s degree in finance, accounting, business economics, or related field
  • 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.

Apply Now

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