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Credit Risk Director - US Large Credit Risk / Merchant Underwriting
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About the position
Are you ready to unleash your full potential? We’re looking for people who are passionate about payments to chart Worldpay’s path to being the largest and most-loved payments company in the world. The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders. The primary responsibility of the Worldpay Credit Director to support complex risk management work for evaluating high risk new business relationships, handling high risk existing portfolio problem account management, and providing oversight and support for multiple Credit Analyst team members . The US Large Credit team is primarily focused on large, high risk / exposure merchants that requires in-depth portfolio evaluations, direct client interactions, internal business team engagement, and senior level diplomacy in managing through detailed risk mitigation actions, including securing 7+ dollar figure collateral positions and merchant relationship exits.
Responsibilities
Obtains and reviews the financial statements of merchants
Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure
Effectively 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 authority
Communicates effectively and professionally with internal and external clients
Exercises sound judgment in assessing potential regulatory and reputational risks
Monitors and communicates credit concerns to management
Role is hybrid, requiring 2-3 days in office
Requirements
Skills and expertise needed to perform the job requirements listed above, at minimum:
10 + years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos
Effective communication skills; attention to detail
Strong judgment and decision-making skills
Self-starter, able to work independently; possesses a strong sense of ownership
Ability to creatively solve problems and achieve company objectives
Time management skills with ability to multitask
Nice-to-haves
Knowledge of merchant acquiring services and the payment processing industry
Degree in Finance, Accounting, or similar formal credit training
Prior experience managing a team
Benefits
A competitive salary and benefits
A variety of career development tools, resources, and opportunities
The chance to work on some of the most challenging, relevant issues in the payment industry.
Time to support charities and give back in your community.
