Credit Risk Analyst
2 tygodni temu
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 300,000+ 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.
Thinking of becoming a PayUneer and you are curious to know more about us? Read more about the life in PayU here
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 mitigants for the credit exposure, and to make the decision about cooperation. Strong analytical skills, critical thinking, and decision-making capabilities are the core skills for this Credit Risk Analyst Role.
Responsibilities:- Produce well-supported customer credit risk analysis that involves analysis of customer financial situation, business model, industry, and other aspects of customer activity/performance.
- Collect internal and external sources of information such as financial statements, external credit reports, reviews, or any other information supporting credit risk analysis.
- Calculate credit risk exposure and recommend/apply necessary risk mitigants based on performed analysis.
- Process credit risk decisions in line with approval matrix; if required, prepare recommendations to make credit decisions by the relevant credit committee.
- Support event-driven or periodic review of customers' portfolio in terms of credit risk verification during customer lifetime.
- Analyze and monitor customer business information, credit data, and financial statements in support of establishing and maintaining accurate risk mitigants for existing portfolio.
- 2+ years of experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle market to large, multinational institutions.
- Advanced knowledge in customer financial situation analysis and familiarity with accounting principles.
- Very strong critical thinking traits, including analytical, problem-solving, and decision-making capabilities.
- Proficiency in both spoken and written English.
- Familiarity with quantitative credit models (e.g., Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations would be an asset.
- Hands-on experience with tools supporting analysis and reporting (Tableau, Excel, and/or similar) would be an asset.
- Full-time employment under a contract of employment.
- Benefits: ability to develop one's own package in MyBenefit system.
- Access to an internal training platform.
- Friendly work atmosphere in a young cooperation-driven team.
- Work in an international organization operating in a rapidly changing industry.
- A diverse working environment within a multicultural setting.
- An inclusive environment that ensures we listen to a diverse range of voices when making decisions.
- A positive, get-things-done workplace.
- A dynamic, constantly evolving space (change is par for the course – important you are comfortable with this).
- Ability to learn cutting edge concepts and innovations in an agile start-up environment with a global scale.
- 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. Find out more www.payu.com
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 creating an inclusive work culture which enables transparency, flexibility, and unbiased attention to each and every PayUneer 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.
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