Credit Analyst

Global Payments; Cincinnati (OH); On-site; USD 70,000 - 95,000; Full time

Job summary

Global Payments is seeking a Credit Analyst to join the Credit Risk Team. You will assess complex financial data and risks to shape credit decisions that balance opportunity with risk and support global growth.

You’ll influence outcomes across clients, partners, and internal stakeholders while contributing to policy development and risk governance. The role emphasizes analytical rigor, sound judgment, and the ability to communicate decisions effectively within a fast-moving, global organization.

Qualifications

• Bachelor's degree in finance/accounting/statistics/business or related field
• Proven experience analyzing financial statements and risk indicators
• Ability to balance risk management with commercial objectives
• Strong communication and influencing skills with stakeholders
• Independent judgment in a dynamic, fast-paced environment

Responsibilities

• Drive informed credit decisions to enable profitable growth while adhering to credit strategies
• Strengthen portfolio performance by evaluating risk exposure and recommending mitigations
• Influence commercial outcomes by structuring credit solutions and negotiating terms
• Enhance risk management practices with insights supporting policy adherence
• Deliver leadership-ready recommendations through thorough credit assessments

Skills

Credit risk analysis

Financial statement analysis

Communication

Independent decision-making

Analytical thinking

Excel

Education

Bachelor's Degree in Finance/Accounting/Statistics/Business

Tools

Excel

Job description

Job Description

Ready to take your career global?

Make your mark at one of the biggest names in payments. We're looking for a Credit Analyst to join our ever-evolving Credit Risk Team and help shape the future of global commerce. In this role, you'll play a critical part in protecting and enabling business growth by making informed credit decisions that balance opportunity with risk. You'll influence outcomes across clients, partners and internal stakeholders by assessing complex financial and risk data, structuring solutions that support sustainable growth, and helping ensure Global Payments continues to deliver trusted payment experiences around the world. As a key contributor to our risk management strategy, you'll have the opportunity to strengthen portfolio performance, shape credit decisions, support policy development and grow your expertise in a fast-moving, global organization committed to innovation and long-term success.

What you'll own

• Drive informed credit decisions that enable profitable business growth while ensuring risks are identified, assessed and managed in line with established credit strategies and policies.
• Strengthen portfolio performance by evaluating risk exposure, recommending mitigation strategies and helping maintain a high-quality portfolio that supports long-term client and business success.
• Influence commercial outcomes by structuring credit solutions, negotiating approval terms and clearly communicating decisions to sales partners, relationship managers and clients.
• Enhance risk management practices by providing insights that support policy adherence, improve decision-making frameworks and contribute to continuous improvement across the credit function.
• Deliver trusted recommendations to leadership through thorough analysis and executive-level credit assessments that support timely approvals, strategic decisions and effective risk governance.

What you'll bring

• Bachelor's Degree in Finance, Accounting, Statistics, Business or a related field with a strong foundation in analytical and financial decision-making.
• Proven experience analyzing financial statements, credit data and risk indicators to make sound credit recommendations and business decisions.
• Demonstrated success balancing risk management with commercial objectives while delivering consistent, high-quality outcomes.
• Strong communication and influencing skills with the ability to explain complex credit decisions, negotiate approval terms and build credibility with stakeholders.
• Ability to exercise sound judgment, work independently on diverse challenges and identify practical solutions in a dynamic, fast-paced environment.

It's a bonus if you have

• Experience conducting due diligence reviews for portfolio acquisitions, conversions or large-scale client onboarding initiatives.
• Experience mentoring, coaching or providing guidance to less experienced analysts.
• A track record of contributing to policy enhancements, process improvements or risk management initiatives that drive greater efficiency and effectiveness.

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.

EEOC Statement

Global Payments is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.

If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.

Washington Candidates: Click here for information on the Fair Chance Act.