Senior Credit Analyst

Job title:

Senior Credit Analyst

Company

GoCardless

Job description

GoCardless are here to support you and we’re committed to making the hiring process inclusive and accessible for everyone. If you need extra support or any adjustments made, please reach out to your Talent Partner.Remember, we don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply.About usGoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia and the United States.The roleYou will be ensuring that GC adopts, implements and maintains innovative and appropriate credit controls with the aim of managing credit losses whilst supporting revenue growth.As a Credit Risk Analyst, you will play a crucial role in assessing and managing the credit risk associated with GC’s merchant base. You will be responsible for evaluating creditworthiness, conducting risk assessments, and developing creative strategies to mitigate potential credit losses.You are expected to be able to communicate effectively with various stakeholders, such as sales, risk, product and C-suite. You will be representing the credit risk team across different functions and will be required to communicate credit risk decisions and the rationale behind them.What excites you

• Understanding new and existing business models with meticulous attention to detail
• Getting underneath and looking beyond the numbers when assessing creditworthiness for SMEs and Large corporates
• Staying ahead of key market trends and being able to clearly translate this into an impact on GC
• Thinking outside the box to develop and create mitigation strategies to manage financial exposure
• Not accepting the status quo in favour of improving and optimising operational efficiency
• Communicating complexities in a simple concise form no matter who the audience

What excites us

• Deep and broad knowledge in analysing financial statements for SMEs and Large Corporations to make effective credit risk decisions, with the ability to compute financial ratios whilst applying industry context (4+ years experience)
• Extensive experience (4+ years) in risk management and financial statement analysis within various industries, including the Travel industry, and Financial Institutions
• A strong confident communicator, with the ability to influence stakeholders across the business, including CxO and senior management
• Ambitious person with a constant drive to strive for excellence through improving broken processes or deriving improved solutions from a product perspective
• Meticulous attention to detail is a must
• Degree educated in a relevant discipline (Finance, accounting, business)
• Able to prioritise work to meet tight deadlines
• An innovative thinker who consistently challenges conventional norms and fosters new perspectives
• Fluent in English, with French, German and Spanish being a bonus

Salary range: £60000 – £90000Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.(some of) The good stuff

• Wellbeing – stay healthy with dedicated support and medical cover
• Work away scheme – you can apply to work away from your country of residence for up to 90 days in any 12 month period (in accordance with our work away policy)
• Adaptive Working – Our hybrid workplace model fosters collaboration and flexibility, with in-office days determined at team level
• Equity – all permanently employed GeeCees receive equity so we can share in the success we achieve together
• Parental leave – to suit everyone embarking on life’s great adventure
• Time off – generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardlessWe’re an organisation defined by our ; We start with why before we begin any project, to ensure it’s aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it’s essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.Diversity & InclusionWe’re building the bank payment network of the future and our ambition is to move money anywhere, for anything, for anyone. If we’re going to achieve this goal, we need to build a team of ‘GeeCees’ that is as wonderfully diverse as the world we live in – with a multitude of perspectives, experiences & backgrounds.We’ve got a long way to go, but here’s how we’re doing as of July 2024;45% identify as women23% identify as Black, Asian, Mixed or Other10% identify as LGBTQIA+9% identify as neurodiverse2% identify as disabledIf you want to learn more, you can read about our Employee Resource Groups and objectives as well as our latestSustainabilityWe’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. In 2021 we became co-founders of the , a group of businesses committed to taking climate action as part of the UNFCCC . We aim to reduce our impact and to create positive change on the natural world. Check out our sustainability here.Find out more about Life at GoCardless via , and .

Expected salary

£60000 – 90000 per year

Location

London

Job date

Thu, 13 Mar 2025 07:31:32 GMT

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