Senior Credit Risk Manager - US Large Credit Risk / Merchant Underwriting

Job DescriptionAre you ready to write your next chapter?Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day.What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one.We're looking for a Senior Credit Risk Manager to join our ever-evolving Risk team to help us unleash the potential of every business.Are you ready to make your mark? Then you sound like a Worldpayer.About the teamOur Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. The primary responsibility of the Worldpay Credit team is to review larger credit risk exposure accounts to ensure the merchant's credit fundamentals are adequate in relation to the potential exposure generated from the payment processing relationship. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. The Third-Party Agent (TPA) Credit and Risk Oversight team's plays a critical role in overseeing the risk of Worldpay's Payment Facilitator (PayFac) and ISO portfolios. The team conducts underwriting of new TPAs, periodic credit reviews, portfolio monitoring and shadow transaction monitoring, and generally partners with our commercial team in seeking to profitably grow the portfolio.What you'll ownObtains and reviews the financial statements of merchantsPerforms extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposureEffectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authorityCommunicates effectively and professionally with internal and external clientsExercises sound judgment in assessing potential regulatory and reputational risksMonitors and communicates credit concerns to managementRole is hybrid and requires 2-3 days in officeWhere you'll own itYou'll own it in our Cincinnati or Atlanta hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person.What you bringSkills and expertise needed to perform the job requirements listed above, at minimum:7-10 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memosEffective communication skills; attention to detailStrong judgment and decision-making skillsSelf-starter, able to work independently; possesses a strong sense of ownershipAbility to creatively solve problems and achieve company objectivesTime management skills with ability to multitaskPreferred Additional Requirements:Knowledge of merchant acquiring services and the payment processing industryDegree in Finance, Accounting, or similar formal credit trainingWhat makes a WorldpayerAt Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team.Curious. Humble. Creative . We ask the right questions, listening and learning to get better every day. We simplify the complex and we're always looking to create a bigger impact for our colleagues and customers.Empowered. Accountable. Dynamic . We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up.Determined. Inclusive. Open.

Unlocking potential means working as one global community. Our work spans borders, and we stay united by our purpose. We collaborate, always encouraging others to perform at their best, welcoming new perspectives.Does this sound like you? Then you sound like a Worldpayer.Apply now to write the next chapter in your career. We can't wait to hear from you.

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