Credit Risk Analyst

Worldline; Poland; On-site; PLN 90,000 - 120,000; Full time

Benefits offered by this job

Private medical & life insurance

Meal allowance

Holiday allowance

Public transportation allowance

Annual bonus

Job summary

Worldline is seeking a Credit Risk Analyst to join our global risk team in Poland. The role covers underwriting and reviewing merchants across e-retail, wholesale, and travel sectors, with a focus on non-delivery exposure and credit quality.

You will interact with finance leaders and risk committees, ensuring robust risk assessment and compliance. The ideal candidate has 4+ years in financial analysis and knowledge of financial statements, with strong communication and stakeholder skills, plus a

Qualifications

• Deep knowledge of financial statements, financial & cashflow analysis
• Ability to assess merchant risk and credit quality
• Strong communication and negotiation skills

Responsibilities

• In-depth financial analysis (P&L, BS, CF) and underwriting/credit assessments of merchants
• Present credit proposals to risk committees
• Annual/periodic reviews of assigned limits and changes in risk classification
• Collaborate with business development and support onboarding processes
• Communicate with merchants at CFO/treasurer level
• Review legal documents to ensure policy compliance
• Credit risk signing authority as appropriate
• Coach and guide team members

Skills

Financial analysis

Corporate risk assessments

Stakeholder management

English fluency

Communication

Education

Master's degree in finance/accounting/business economics

Job description

Credit Risk Analyst

Who we are

Worldline helps businesses of all shapes and sizes to accelerate their growth journey - quickly, simply, and securely. We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. Our technology powers the growth of millions of businesses across 5 continents. And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.

This is Worldline

We are the innovators at the heart of the payments technology industry, shaping how the world pays and does get paid. The solutions our people build today power the growth of millions of businesses tomorrow. From your local coffee shop to unicorns and international banks. From San Francisco to Auckland. We are in every corner of the world, in every part of commerce. And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.

The Opportunity

Our global credit risk team is a part of the 1st line risk & compliance and has an end‑to‑end credit management responsibility for the verticals Key Accounts (e‑retail, wholesale, entertainment, event ticketing, gaming, payment facilitators, etc.) and Travel & Hospitality (airlines, cruise lines, hotels chains, online travel agencies). We are tasked with underwriting and reviewing new and existing merchants, monitoring non‑delivery exposure and credit quality.

The credit risk department is growing and currently consists of 20 colleagues spread across different offices at international locations. The regular exchange with experts from different countries ensures exciting daily work and challenges at the same time. In Credit Risk we are globally minded with a FinTech atmosphere. You will experience this in your everyday life as a Worldliner.

Day-to-day responsibilities

• In-depth financial analysis (P&L, BS and CF) and conducting detailed underwriting/credit assessments documenting the merchant business model and sector dynamics, financial performance with the key indicators, credit risks and mitigants;
• Presenting your credit proposal to divisional and group risk committees;
• Carrying out annual/periodic credit reviews of assigned limits and recommending risk class, changes in limit and collateral setup based on the outcome of the analysis;
• Collaborating closely with business development and advising/supporting them on the boarding process;
• Communicating effectively with merchants at CFO or treasurer level;
• Reviewing legal documents and amendments ensuring compliance with policies and procedures;
• Credit risk signing authority (based on your level of expertise/experience);
• Coaching, developing and guiding team members.

Who Are We Looking For

• Around 4+ years of experience in financial analysis with corporate risk assessments;
• Substantial knowledge and deep understanding of financial statements, financial & cashflow analysis and accounting principles;
• Strong communication, negotiation and stakeholder management skills;
• Fluency in English;
• Master's degree in finance/accounting/business economics would be a plus;
• Payment and FinTech industry knowledge would be an asset;
• Strong ability to prioritize work in a fast‑paced and changing environment;
• Good sense of responsibility;
• Ability to support, guide and help other team members.

Perks & Benefits

• Private medical & life insurance
• MyBenefit Platform
• Holiday allowance
• Referral program
• Public transportation allowance
• Meal allowance
• Annual bonus

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology, and we look for big thinkers, people with passion, can‑do attitude and a hunger to learn and grow. Here you'll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on the society. With an empowering culture, strong technology and extensive training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators and shape a tomorrow that is yours to own.

Learn more about life at Worldline

https://careers.worldline.com

https://jobs.worldline.com

We are proud to be an Equal Opportunity employer. We do not discriminate based upon race, religion, color, national origin, sex, sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.

Pursuant to the Article 24 sec. 6 of the Act of 14 June 2024 on the protection of whistleblowers, we inform you that Worldline Financial Services (Europe) S.A., a joint‑stock company, Branch in Poland (hereinafter referred to as Worldline) is governed by the Regulations on the receipt of internal reports and taking follow‑up actions (hereinafter referred to as the Regulations).