Team Lead Credit Risk
Netherlands
This is Worldline.
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 Credit Risk to become part our Cedit Risk department and lead one of our international based teams. Your team will have the end-to-end credit risk management responsibility for managing our global merchant portfolios and managing large credit exposures for several licensed entities within Worldline Merchant Services.
As Team Lead your will manage a team of (senior) credit risk analysts (>6 FTE) and your own small portfolio with complex and strategical merchants. You will be a leading example as working foreman in performing enhanced credit risk and financial analysis, conduct credit memos and annual reviews of merchants to assess their creditworthiness. You can approve credit exposures and be leading in negotiating terms and conditions with clients and represent your team in the relevant Risk Committees.
About the Team :
The Credit Risk department is part of the MS Risk organization and we support the Go-To-Markets Global Commerce, Enterprise and SMB by ensuring new and existing Merchant credit exposures and minimizing credit losses. The team is growing and currently consists of over 20 colleagues spread across different international offices. The regular exchange with colleagues from different countries ensures exciting daily work and challenges at the same time.
Day-to-Day Responsibilities
• Leading a team of Credit Risk professionals and be responsible for your own and team portfolios
• Performing in-depth financial analyses (P&L, BS and CF) and conduct 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
• Performing quality control of your team’s output
• Carry out annual/periodic credit reviews of assigned limits and recommend risk class, changes in limit and collateral setup based on the outcome of the analysis
• Collaborate closely with business development and advise/support them on the boarding process
• Communicate effectively internally and externally at executive level
• Review legal documents and amendments ensuring compliance with policies and procedures
• Credit risk signing authority (based on your level of expertise/experience)
• Ability to coach, develop and guide your team members
Who Are We Looking For
We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:
• Bachelor or Master's degree in finance, accounting, business economics, or related field.
• 8+ years experience in credit risk, substantial knowledge and a deep understanding of financial analyses and accounting principles
• 3+ years experience in leading a team, previous experience of establishing of a new team from the ground up is considered a plus
• Possess a strong leadership profile and people management skills to be able to manage and developed your team and get the best out of each individual
• Excellent communication skills for interacting effectively with senior management, business lines, other risk management functions and external stakeholders
• Ability to work together with other business line teams to identify and assess the level of risk the organization is taking on and to propose actions to mitigate risks
• Solution driven and ownership; self-starter; ability to drive projects with minimal guidance and focus on high impact work
Perks & Benefits
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:
• Be part of a company guided by a strong purpose to do good and recognized as top 1% of the most sustainable companies in all sectors worldwide.
• Work with inspiring colleagues and be empowered to learn, grow and accelerate your career.
• At Worldline our top priority is to engage, encourage and develop you to help you improve your potential. In fact, we have comprehensive training and development programs in place demonstrating our dedication to developing your career.
• And many more...
Shape the evolution.
We are pushing towards the next frontiers of payments technology, and we look for big thinkers to join our journey. 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. And with our empowering culture, strong technology and extensive training opportunities, we help you accelerate your career. Wherever you decide to go. Join our global team of over 18,000 innovators across 40+ countries, 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 (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.