Lead Credit Risk Excellence

Worldline; Warszawa; Hybrid; PLN 386,000 - 579,000; Full time

Benefits offered by this job

Private medical & life insurance

Public transportation allowance

Annual bonus

Job summary

Worldline is seeking a TeamLead for Credit Risk Management, based in Sweden with hybrid work from home and Stockholm office. You will lead the Credit Risk CoE, drive professionalization, and ensure high standards across underwriting, onboarding, and monitoring.

Requirements include 5+ years of management in credit risk, a Master’s in Finance/Accounting, and strong data analysis, reporting, and stakeholder management skills. Fluent English required; payments industry experience is valued.

Qualifications

• 5+ years of professional management in 1st/2nd line credit risk.
• Deep expertise in financial analysis, credit ratings, and risk methods.
• Master’s degree in Finance, Accounting, Business Economics, or related field.

Responsibilities

• Lead the CoE and manage a team of Credit Risk Experts.
• Develop, maintain, and optimize merchant credit risk framework.
• Oversee portfolio monitoring, KPI management, and risk reporting.
• Manage complex credit escalations and final credit decisioning.
• Own credit risk tooling and budget management.

Skills

Leadership

Project management

Data analysis

Reporting

Stakeholder management

English proficiency

Education

Master’s degree in Finance/Accounting/Business Economics

Job description

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.

The opportunity

We are looking for aTeamLeadto beheadingone of ourCredit RiskManagementteamswithintheCredit Risk department consisting of several globally dispersed teams which have the end-to-end credit risk management responsibility at merchant and portfolio level.In this challenging role you will be at the core of ourorganizationwith a high level of exposure, contributing to the quality and high standards within Credit Risk and supporting Worldline’s growth and profitability by ensuring sustainable new and existing credit exposures and minimalization of credit losses.Besides your direct colleagues within Credit Risk you will work closely with various stakeholders such as Sales, Account Management, Legal and other Risk departments.This position is based inSwedenand we offer a hybrid way of working from home and at ourStockholmoffice.

Day-to-day responsibilities

• Leadership & Strategy:Lead the CoE and manage a team of Credit Risk Experts, driving the ongoing professionalization of the department.
• Framework & Procedures:Develop, maintain, and optimize the merchant credit risk framework. Proactively assess and improve SOPs and working processes across Risk Operations (Underwriting, Onboarding, and Monitoring).
• Portfolio & Reporting:Oversee portfolio monitoring, KPI management, and comprehensive credit risk data analysis and reporting.
• Decisioning & Escalation:Manage complex credit escalations and provide final credit decisioning.
• Tooling & Innovation: Maintain ownership of credit risk tooling, including budget management and the identification of new functional requirements

Who are we looking for

• Experience:5+ years of professional management in 1st/2nd line credit risk, with deep expertise in financial analysis, credit ratings, and risk management methodologies.
• Education:Master’s degree in Finance, Accounting, Business Economics, or a related field.
• Skills:Proven project management, data analysis, and reporting capabilities.
• Communication:Exceptional stakeholder management and communication skills.
• Language:Full working proficiency in English; additional languages are an asset.
• Soft Skills:Result-oriented, diligent, and able to prioritize effectively in a fast-paced environment. Strong sense of responsibility, commitment to excellence, and focus on operational simplicity.
• Industry Preference:Prior experience in the payment industry is highly valued.

At Worldline you’ll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also:

• Private medical & life insurance
• Public transportation 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 at 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.