Senior Credit Analyst

Position Type :
Full time
Type Of Hire :
Experienced (relevant combo of work and education)
Education Desired :
Bachelor's Degree
Travel Percentage :
5 - 10%
Are you curious, motivated, and forward-thinking? At FIS you'll have the opportunity to work on some of the most challenging and relevant issues in financial services and technology. Our talented people empower us, and we believe in being part of a team that is open, collaborative, entrepreneurial, passionate and above all fun.

About the team

Large Credit Risk operates within the RISC division of FIS, specifically focussing on our Merchant Solutions business. We operate under the 'Worldpay by FIS' brand and actively manage the contingent credit risk exposure generated by our customers from their card and alternative payment processing activity.

What you will be doing

Working out of our London office as part of the EMEA team, you will be primarily responsible for either the initial underwriting of new customers or the end-to-end credit risk management of existing merchants within an assigned portfolio.

For underwriting, this will involve performing financial assessments of large corporates, proactively engaging with the commercial teams to find solutions that maximise onboarding opportunities, making recommendations in a clear and concise manner, seeking approval from the appropriate sanctioning authority and communicating conditions of sanction to both internal stakeholders and prospective customers. For portfolio management, this will involve analysing financial statements, compiling credit reviews, dealing with requests for new products/services that generate additional credit risk, seeking increased limits as a result of exception reports and/or alerts/triggers and managing financial deterioration/distress scenarios to minimise the risk of loss.

Additionally, you will be expected to contribute to projects that improve our operational efficiency or improve credit risk knowledge amongst the wider business.

Summary of role:

• Undertake reviews of potential and existing clients within your assigned portfolio
• Proactively engaging with the commercial teams to find solutions that maximise onboarding opportunities
• Work closely with the Legal team, negotiating and reviewing bespoke contracts
• Deal with client requests for additional products/services
• Respond to client specific alerts and/or trigger events as required
• Maintain limit and approval systems in relation to your assigned portfolio
• Participate in our continuous improvement process by identifying and implementing process change
• Undertake ad-hoc tasks in support of the overall aim of managing credit risk exposure

What you bring:

• A minimum of 3yrs experience in a credit risk/financial analysis role
• A strong ability to articulate your recommended way forward and explain it to non-Credit Risk colleagues and our clients
• An ability to formulate solutions for new opportunities or challenging financial distress scenarios
• Excellent verbal and written communication skills (good written English is essential)
• Strong PC skills, including familiarity with Microsoft Office products, specifically Microsoft Excel
• An ability to prioritise competing tasks, work autonomously and to sometimes tight deadlines

Added bonus if you have:

• Experience of working under your own delegated authority

What we offer you:

• A competitive salary and fantastic range of benefits designed to support your lifestyle and wellbeing
• A multifaceted job with a high degree of responsibility and a broad spectrum of opportunities
• A broad range of professional education and personal development possibilities - FIS is your final career step!
• A modern, international work environment and a dedicated and motivated team
• A flexible work from home/office arrangement that can be tailored to suit your needs

Privacy Statement

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Sourcing Model

Recruitment at FIS works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. FIS does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company.

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