Credit Associate 1

Global Payments; Quezon City; On-site; PHP 240,000 - 360,000; Full time

Job summary

Global Payments is seeking a Credit Specialist I to join the Credit Services Team in Manila. You will review consumer and commercial credit applications, make timely credit decisions, and balance growth with risk and customer experience.

The role involves handling inquiries, assessing fraud risk, and supporting responsible lending practices to protect the payments ecosystem. You will operate within client policies, resolve inquiries efficiently, and contribute to client confidence and

Qualifications

• High School Diploma or Equivalent.
• Typically no relevant experience required.
• Preferred 0–2 years of related work experience.

Responsibilities

• Reviews consumer and/or commercial credit applications not automatically approved/declined by credit card applications.
• Responds to credit-related inquiries and makes credit decisions
• Identifies and mitigates potential fraud risks by applying established policies
• Ensures applications are reviewed thoroughly with accuracy and consistency
• Builds trusted client relationships through dependable service in a multi-client environment

Skills

Credit decisions

Risk management

Customer service

Communication

Attention to detail

Multitasking

Education

High School Diploma or equivalent

Job description

Every 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 driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.

Ready to take your career global?

Make your mark at one of the biggest names in payments. We’re looking for a Credit Specialist I to join our ever-evolving Credit Services Team and help shape the future of global commerce. In this role, you'll play a critical part in helping businesses and consumers access payment solutions by making accurate and timely credit decisions that balance growth, risk, and customer experience. Your work will directly influence client confidence, support responsible lending practices, and protect the integrity of the payments ecosystem. As part of a global team, you'll have the opportunity to build expertise in credit operations, develop your decision-making skills, and contribute to a business that powers millions of transactions worldwide. Every decision you make helps create seamless payment experiences and supports Global Payments' mission of enabling commerce around the world.

What you'll own

• Drive accurate credit decisions that help clients grow confidently while maintaining strong risk management standards and protecting business performance.
• Deliver exceptional customer outcomes by resolving credit-related inquiries efficiently, creating positive experiences for cardholders, merchants, and clients.
• Identify and mitigate potential fraud risks by applying sound judgment and established credit policies to safeguard customers and the business.
• Strengthen operational excellence by ensuring credit applications are reviewed thoroughly and decisions are made with accuracy, consistency, and quality.
• Build trusted client relationships through dependable service, contributing to customer satisfaction, retention, and long‑term business success.

What you'll bring

• High School Diploma or equivalent.
• Experience delivering customer service or supporting clients in a fast‑paced environment.
• Ability to evaluate information, apply established guidelines, and make accurate decisions with attention to detail.
• Strong communication skills with the ability to explain information clearly and professionally.
• A proactive mindset with a commitment to quality, accountability, and continuous learning.
• Ability to manage multiple priorities while maintaining accuracy and meeting service expectations.
• Flexible to work in shifting/rotational schedules
• Willing to work onsite in Vertis North, Quezon City

It's a bonus if you have

• Experience in credit, financial services, banking, fraud prevention, or risk‑related functions.
• Knowledge of credit bureaus, credit reporting, or credit application review processes.
• Experience working across multiple systems and supporting multiple clients in a high‑volume environment.

About the team

Our inclusive and global teams win together every day. We’re proud to have the best minds in the industry, who you can learn from as you grow your career. The people, the energy, the connections – it’s unmatched. Come and be part of an ever‑evolving company and get dynamic opportunities that go beyond borders.

What makes a Globalpayer?

Globalpayers think like a client, act like an owner and win as one team. We’re curious and innovative – always finding better ways to deliver impact. We empower each other to make decisions, and it’s our passion that drives excellence in everything we set out to do.

Come and be part of an ever‑evolving company and get dynamic opportunities that go beyond borders. Does this sound like you? Then you sound like a Globalpayer.

Summary of This Role

Reviews and analyzes consumer and/or commercial credit applications that are not automatically approved or declined by credit card applications. Receives requests from cardholders and merchants that involves credit decisions. Works within client defined credit policies to insure accurate credit decisions. Reviews applications for possible fraud. Provides quality customer service in a timely manner while working in a multi‑client environment with multiple system applications.

What Part Will You Play?

• Handles 25‑50 daily inquires from 1 or more assigned clients within a multi‑client environment with various application systems by responding to cardholder requests, such as credit line increases and account maintenance and reviewing/processing credit card applications, to include verifying information against credit bureau data. Requests system generated letters to credit applicants requesting additional information in order to accurately process their credit application.
• Begins to develop a knowledge of internal and client specific policies and procedures through training, applying established processes to resolve customer inquiries, and assisting more experienced Credit Specialists.
• Completes required documentation/reporting to accurately track daily work assignments for client billing.

What Are We Looking For in This Role?

Minimum Qualifications

• High School Diploma or Equivalent
• Typically No Relevant Experience Required

Preferred Qualifications

• 0‑2 years related work experience

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - Acquires and applies job skills and learns company policies and procedures to complete assigned routine tasks.
• Job Complexity - Works on assignments that are routine to semi‑routine in nature, requiring limited decision outside of stated processes, but recognizes the need for occasional deviation from accepted practice. Has little or no role in the decision‑making.
• Supervision - Normally receives detailed instructions and follows established procedures on all work, requires instructions on all assignments. Works under close supervision.
• Skills / Knowledge - Working knowledge of credit bureaus and reporting

Global Payments Inc. is an equal opportunity employer. Global Payments provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including pregnancy), national origin, ancestry, age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other basis protected by law. If you wish to request reasonable accommodations related to applying for employment or provide feedback about the accessibility of this website, please contact [e-mail].