Senior Associate Credit and Risk

DescriptionEvery day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are proud to deliver best-in-class payment technology and software solutions.Global Payments is dedicated to providing the most reliable and technologically innovative solutions for any business seeking to develop a comprehensive package of services for accepting transactions with debit, credit, or prepaid cards. In Greece, we conduct business through our joint venture with the National Bank of Greece, NBG Pay. NBG Pay provides customers with an innovative, cost effective and secure payment solution to grow their business. Services include the authorization, clearing, and settlement of credit, debit and prepaid card transactions between cardholders and merchants.Join us at a modern fintech company pioneering a new era of payment technologies.In Greece we conduct business through our joint venture with the National Bank of Greece, NBG Pay. NBG Pay provides merchant acquiring services to small, medium, large and corporate merchants across Greece. Services include the authorisation, clearing, and settlement of credit, debit and prepaid card transactions between cardholders and merchants.We are currently seeking a Senior Credit and Risk underwriter, reporting to the Credit Manager, in Greece who will be responsible for merchant credit risk analysis at onboarding and subsequent periodic risk reviews based on merchant profile, processing, business model and financial profile. He/She will also be responsible for credit risk reporting, support to Sales, verification of adherence to compliance requirements, scheme rules and credit risk guidelines.About The RoleUnderwriting of new and existing merchants based on risk analysis of merchant specific business model, financial profile and card acceptance / acquiring processingReview of new merchants to mitigate credit risk and unacceptable processing categories Quantification of chargeback risk exposure and potential collateral / reserve requirements to mitigate riskVerification that ECOM websites fulfil card scheme’s requirements (card due diligence)Financial risk analysis based on business model, financial statements, forecasts, credit bureau data etc.Proactive monitoring of recently boarded and existing merchants (periodic credit reviews, investigations and portfolio monitoring)Verification of adherence to compliance requirements, scheme rules and credit risk guidelinesCollaboration with sales channel, partners and merchants to advance new merchant applicationsVarious portfolio monitoring, risk reporting, investigation and oversight tasksInternal contact for risk management and compliance enquiriesTraining of partners and merchants on risk management processesOther tasks assigned by supervisor /managerAbout YouUniversity Degree in business administration, economics, accounting or related quantitative field.4+ years of relevant professional experience in credit analysis, and/or underwriting, preferably in payments or financial servicesFamiliar with KYC and business registration processes and documentsExperience coaching / supervising colleaguesComfortable working in a high volume, fast moving, service-based environmentExcellent working knowledge of MS Office, particularly MS Excel.Knowledge of Power BI or SQL will be considered a plusExcellent command of the Greek and English languages (both written and verbally)Strong time management, organisation, process / procedures development and problem-solving skillsProfessional attitude and strong personal ethicsSelf-motivated and able to work independentlyStrong attention to detail, written and verbal communication skillsThorough style with inherent business curiosity, logic and analytical skillsFor more information regarding the personal data that Global Payments collects during the application process as well as the way such data are processed, please visit the Privacy Notice