Title:  Team Lead Credit Risk

Stockholm, Sweden

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 of our Credit Risk department.  Consisting of several international based teams who have the end-to-end credit risk management responsibilities for large merchant exposures and credit portfolios amongst several licensed and legal entities within Worldline Merchant Services (MS).

In this meaningful role you will have the unique opportunity to lead by example and guide one of our Credit Risk teams and manage your own portfolio with large and strategical merchants. You will be at the core of our organisation with a high level of visibility and be able to communicate internally and externally at executive level. You will work closely with Sales and Business Development supporting Worldline’s growth and value creation ambitions and have the responsibility for managing the associated credit risks in the assigned merchant portfolios.

As our new Team Lead your will manage a team of (senior) credit risk analysts (currently 7 FTE) and you will manage your own portfolio with 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 recommend appropriate credit limits, terms and conditions and present your proposal to the relevant Credit Risk Committees for decisioning.

You will work closely with various stakeholders such as sales, account management, legal and other risk departments and also attend meetings with merchants.

About the team

The Credit Risk department is part of the MS Merchant Risk organization, and we support the Go-To-Markets Enterprise and Small & Medium Businesses by ensuring new and existing Merchant credit exposures and minimizing credit losses.

The Credit Risk department is growing and currently consists of over 20 colleagues spread across different international offices. The regular exchange with experts 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)
• For this Team Lead role, we expect you to have the ability to coach, develop and guide your team members

Who Are We Looking For

You are driven towards achieving goals and dedicated to prioritizing work in a dynamic and fast-paced setting. You have a good sense of responsibility and always strive for perfection and deliver simplicity. Previous experience with credit assessment, including assessing financial documents and business risk profiles is needed. You also:

• Have over 3 years’ experience in leading a team, previous experience of establishing of a new team from the ground up is considered a plus
• Over 8 years’ experience in credit risk, extensive knowledge and a deep understanding of financial analyses and accounting principles
• 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 divisions, 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
• Full working proficiency in English
• A master’s degree in finance, accounting, business economics, or related field
• Payment industry and specific sector knowledge is an advantage

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 get:

• Health contribution
• Health check – Every 2:nd year
• Pension: BTP1 & BTP2
• Private Health Care Insurance (Euro Accident)
• Parental pay and 12 months pension during parental leave
• Opportunity to hybrid working according to company standard
• Benefit portal with many great offers, plus 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.