Company Description

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. And it's not just what we build that makes us different. It's how.

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 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 financial statements and data, distill it into succinct recommendations and to communicate effectively with internal and external stakeholders.

Roles & Responsibilities:

• Assess business risk and determine credit risk exposure on existing merchants to determine appropriate course of action.

• Analyse financial, bank and processing statements to assess creditworthiness.

• Prepare concise oral and written summary recommendations regarding findings, issues, and mitigants to risks.

• Own a portfolio of accounts, making credit decisions within an individually assigned approval authority and recommendations as appropriate.

• Assist the Commercial team with customer calls (and occasionally meetings), requiring explanation of specific credit risks and decisions related to those assessments.

• Monitor and investigate merchants’ credit card processing activities using internal and external risk monitoring tools.

• Work closely with the Risk Monitoring team, to provide support on credit risk related topics.

• Identify and help implement solutions for operational efficiencies.

Qualifications

Requirements:

• Experience working within a risk related role, ideally within the payments industry.

• Basic financial analysis skills, with desire to improve and learn.

• Comfortable explaining and communicating difficult decisions to customers.

• A highly analytical team player who loves to evaluate degrees of financial and credit risk.

• Ability to exercise sound judgment.

Additional Information

Apply without meeting all requirements statement

If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values.

We believe in equal opportunities

We work as one team. Wherever you come from. However you identify. And whichever payment method you use.

Our clients come from all over the world — and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success.

When you join our team, we’ll empower you to unlock your potential so you can do your best work. We’d love to hear how you think you could make a difference here with us.

We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We’ll be happy to support you.

Take a peek inside life at Checkout.com via

• Our Culture video https://youtu.be/BEwnpHuadSw
• Our careers page https://www.checkout.com/careers
• Our LinkedIn Life pages bit.ly/3OaoN1U
• Our Instagram https://www.instagram.com/checkout_com/

Apply without meeting all requirements statement

If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values.

We believe in equal opportunities

We work as one team. Wherever you come from. However you identify. And whichever payment method you use.

Our clients come from all over the world — and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success.

When you join our team, we’ll empower you to unlock your potential so you can do your best work. We’d love to hear how you think you could make a difference here with us.

We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We’ll be happy to support you.

Take a peek inside life at Checkout.com via

• Our Culture video https://youtu.be/BEwnpHuadSw
• Our careers page https://www.checkout.com/careers
• Our LinkedIn Life pages bit.ly/3OaoN1U
• Our Instagram https://www.instagram.com/checkout_com/