Lead Credit Risk Analyst - Distressed Merchant Resolutions

Global Payments; Cincinnati (OH); On-site; USD 120,000 - 160,000; Full time

Job summary

Global Payments is seeking a Lead Senior Credit Analyst to join its Credit Risk Team in Cincinnati, helping shape the future of global commerce by evaluating complex merchant relationships and transactions. You will influence portfolio quality through data-driven credit decisions, risk insights, and strategic deal structuring, while guiding and mentoring junior analysts.

In this role you will advance credit excellence by strengthening policies and risk practices and partner with stakeholders to

Qualifications

• Bachelor's degree in Finance, Accounting, Statistics, Business or a related field.
• Significant experience in credit analysis, risk assessment or financial underwriting.
• Demonstrated ability to make independent, data-driven decisions that balance risk management with business growth.
• Strong communication and influencing skills with experience negotiating risk-based terms with diverse stakeholders.
• Experience mentoring, coaching or developing analysts and serving as a subject matter expert across teams.

Responsibilities

• Drive sound credit decisions that enable sustainable business growth while protecting the organization from financial, operational and reputational risk across complex merchant opportunities.
• Shape risk outcomes by identifying, quantifying and mitigating exposure, helping maintain a high-quality portfolio.
• Influence strategic business decisions through expert credit recommendations and risk insights.
• Elevate team capability by mentoring analysts and building a culture of continuous learning and high-performance decision-making.

Skills

Credit analysis

Risk assessment

Data-driven decisions

Stakeholder negotiation

Mentoring

Policy development

Communication

Education

Bachelor's degree in Finance or related field

Job description

Job DescriptionReady to take your career global?Make your mark at one of the biggest names in payments. We’re looking for a Lead Senior Credit Analyst to join our ever evolving Credit Risk Team and help shape the future of global commerce. In this role, you’ll serve as a trusted risk expert, helping Global Payments grow with confidence by balancing opportunity and risk across complex merchant relationships and transactions. Your decisions will directly influence portfolio quality, business growth and client success by evaluating sophisticated credit scenarios, structuring risk-based solutions and strengthening our overall risk framework. As a subject matter expert, you’ll have the opportunity to guide strategy, mentor others and help ensure Global Payments continues to deliver secure, innovative payment solutions that power businesses around the world.What you'll ownDrive sound credit decisions that enable sustainable business growth while protecting the organization from financial, operational and reputational risk across complex merchant opportunities.Shape risk outcomes by identifying, quantifying and mitigating exposure, helping maintain a high-quality portfolio that supports long-term client and business success.Influence strategic business decisions through expert credit recommendations, risk insights and deal structuring that balance commercial objectives with responsible risk management.Advance credit excellence by strengthening policies, frameworks and risk practices that improve consistency, compliance and decision quality across the organization.Elevate team capability by mentoring analysts, sharing expertise and helping build a culture of continuous learning, accountability and high-performance decision-making.What you'll bringBachelor's Degree in Finance, Accounting, Statistics, Business or a related field with strong analytical and financial acumen.Significant experience in credit analysis, risk assessment or financial underwriting, including proven success evaluating complex business and merchant relationships.Demonstrated ability to make independent, data-driven decisions that balance risk management objectives with business growth opportunities.Strong communication and influencing skills with experience explaining complex credit recommendations and negotiating risk-based business terms with diverse stakeholders.Proven ability to navigate ambiguity, exercise sound judgment and deliver high-quality outcomes on complex and high-impact decisions.It's a bonus if you haveExperience conducting due diligence for portfolio acquisitions, conversions or large-scale merchant onboarding initiatives.Experience mentoring, coaching or developing less experienced analysts and serving as a subject matter expert across teams.A track record of contributing to credit policy development, risk framework enhancements or process improvements that strengthen business performance and risk management outcomes.About the teamOur 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. Apply now to take your career global.EEOC StatementGlobal 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.