Lead Credit Risk Excellence

Worldline; Warszawa; Hybrid; PLN 461,000 - 576,000; Full time

Benefits offered by this job

Private medical & life insurance

MyBenefit Platform

Holiday allowance

Public transportation allowance

Meal allowance

Annual bonus

Job summary

Worldline is seeking a Team Lead to head one of our Credit Risk Management teams within the Credit Risk department. You will oversee end-to-end credit risk management at merchant and portfolio level, collaborating with Sales, Account Management and Legal. The role is based in Sweden with hybrid work from home and our Stockholm office.

You will drive strategy, enhance risk processes, monitor KPIs, and take final credit decisions. English fluency is required; payment industry experience is a plus.

Qualifications

• 5+ years of professional management in 1st/2nd line credit risk.
• Master degree in Finance, Accounting, Business Economics, or a related field.
• Proven project management, data analysis, and reporting capabilities.
• Exceptional stakeholder management and communication skills.
• Full working proficiency in English; additional languages are an asset.

Responsibilities

• Lead the CoE and manage a team of Credit Risk Experts, driving professionalization of the department.
• Develop, maintain, and optimize the merchant credit risk framework and SOPs across Risk Operations.
• Oversee portfolio monitoring, KPI management, and credit risk data analysis and reporting.
• Manage complex credit escalations and provide final credit decisioning.
• Own credit risk tooling, including budget management and new functional requirements.

Skills

Project management

Data analysis

Reporting

Stakeholder management

English communication

Education

Master7s degree in Finance

Job description

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.

The opportunity

We are looking for a Team Lead to be heading one of our Credit Risk Management teams within the Credit 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 our organization with 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 in Sweden and we offer a hybrid way of working from home and at our Stockholm office.

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.

Perks & Benefits

• Private medical & life insurance
• MyBenefit Platform
• Holiday allowance
• 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 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.