Credit Risk Analyst

Worldline; Wolverhampton; On-site; GBP 30,000 - 50,000; Full time

Job summary

Join a forward-thinking company as a Credit Risk Analyst, where you'll play a crucial role in processing credit applications and mitigating fraud risks. This permanent, full-time position offers a dynamic work environment, with opportunities for training and development. You will collaborate with a dedicated team to ensure seamless service delivery while engaging proactively with clients. With a focus on building trust and rapport, you will contribute to the growth of the business while honing your skills in a supportive atmosphere. Embrace the challenge and be part of an innovative team shaping the future of payments technology.

Benefits

Training and development opportunities

Flexible working hours

Sustainable company initiatives

Supportive team environment

Qualifications

• Proficient in handling credit applications and fraud prevention.
• Strong communication and problem-solving skills are essential.

Responsibilities

• Process credit applications for multiple business accounts.
• Engage with customers to offer suitable credit options.
• Monitor and update customer information regularly.

Skills

Problem-solving skills

Communication skills

Attention to detail

Customer engagement

Flexibility

Education

Bachelor's degree or equivalent

Tools

MS Word

MS Excel

MS Outlook

Job description

Credit Risk Analyst

This is Worldline

We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. The solutions our people build today power the growth of millions of businesses tomorrow, from local coffee shops to international banks, across the globe. We are committed to helping our people accelerate their careers and shape the evolution of payments technology.

Credit Risk Department - Background

The Credit Risk Department consists of four elements:

1. Credit Risk Analysts (Applications)
2. Sales Ledger & Credit (Administration)
3. Credit Control (Collections)
4. Key Accounts

The teams are managed by specialists in their fields, with ongoing improvements to maintain accreditation from the Institute of Credit Management. All employees work together to provide seamless service, meeting both business and client needs.

Credit Analyst Role

As a Credit Analyst, you will handle daily processing of credit applications, working with a team to process approximately 2,500 applications monthly. You will utilize online systems like Companies House and Credit Agencies to gather information on businesses. You will have authority levels to approve credit within the Business Sector.

Full training and development opportunities are available, including reading credit reports and fraud prevention.

This is a permanent, full-time role, working 37 hours over 5 days, Monday to Friday, between 09:00 and 17:30, with some flexibility required to maintain service levels.

Day-to-Day Responsibilities

• Process credit applications for multiple business accounts
• Reduce fraud risk and report when necessary
• Engage with customers proactively and reactively to offer suitable credit
• Report fraud and advise internal teams of risks
• Place accounts on hold as needed
• Investigate customer complaints
• Monitor and update customer information
• Work within budgets and meet targets
• Perform ad hoc duties as required

Candidate Profile

We seek individuals with vision, passion, and a proactive attitude. The ideal candidate:

• Can deliver trusted service
• Possesses substantial knowledge for problem resolution
• Handles difficult conversations with confidence and empathy
• Is motivated to learn and develop skills
• Has excellent communication skills
• Is proficient with PC tools, especially MS Word, Excel, and Outlook
• Has problem-solving skills and attention to detail
• Builds trust and rapport with clients
• Is flexible to maintain service levels across key accounts
• Is motivated to onboard new low-risk customers

Perks & Benefits

At Worldline, you'll be part of a purpose-driven company recognized among the top 1% of the most sustainable companies worldwide. You will work with inspiring colleagues, learn, grow, and support our global payments technology initiatives. Join us in supporting our Business Account Card customers and clients as part of a dynamic, innovative team.

We are on an exciting journey to the next frontiers of payments technology. Join our global team of 18,000 innovators and shape the future of payments.

Learn more about life at Worldline at careers.worldline.com