Senior Credit Risk Analyst

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About PayU PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our + merchants and millions of consumers. As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day. Senior Credit Risk Analyst will support the processes of credit risk assessment when cooperation with customer is established and later, during customer lifetime. It is critical in this role to analyze holistically the customer and assess all the factors increasing/decreasing the risk, propose mitigates for the credit exposure, and to make the decision about cooperation. Strong analytical skills, critical thinking, decision making capabilities are the core skills for this Senior Credit Risk Analyst Role.

Responsibilities:

1. Produce well supported customer credit risk analysis that involves analysis of customer financial situation, business model, industry, and other aspects of customer activity/performance.
2. Collect internal and external sources of information such as financial statements, external credit reports, reviews or any other information supporting credit risk analysis.
3. Calculate credit risk exposure and recommend/apply necessary risk mitigants based on performed analysis.
4. Process credit risk decisions in line with approval matrix, if required prepare recommendation to make credit decisions by the relevant credit committee.
5. Support event driven or periodic review of customers portfolio in terms of credit risk verification during customer lifetime.
6. Analyze and monitor customer business information, credit data and financial statements in support of establishing and maintaining accurate risk mitigants for existing portfolio.
7. Be a source of expertise to the business and provide wider contribution to other areas of wholesale credit risk through collaboration and sharing of best practice.

We are looking for:

1. 5+ years of experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle market to large, multinational institutions.
2. Proficiency in customer financial situation analysis, expertise in accounting principles.
3. A history of confidently making decisions on complex credit exposures.
4. Very strong critical thinking traits, including analytical, problem solving, and decision-making capabilities.
5. Hands-on experience with tools supporting analysis and reporting (tableau, excel and/or similar).
6. Proficiency in both spoken and written English.
7. Familiarity with quantitative credit models (eg. Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations would be an asset.

What we offer:

1. Full-time employment under a contract of employment.
2. Benefits: ability to develop one's own package in MyBenefit system.
3. Access to an internal training platform.
4. Friendly work atmosphere in a young cooperation-driven team.
5. Work in an international organization operating in a rapidly changing industry.

Our working environment:

1. A diverse working environment within a multicultural setting.
2. An inclusive environment that ensures we listen to a diverse range of voices when making decisions.
3. A positive, get-things-done workplace.
4. A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this).
5. Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale.
6. A democratic work environment where you can drive your outcomes.

About us At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact.

Our Commitment To Building A Diverse And Inclusive Workforce As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayU person so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.