Job Opportunity
We are seeking a skilled Credit Risk Specialist to join our team.
This role plays a crucial part in ensuring Credit Risk is effectively managed within the organisation.
Key Responsibilities:
* Be an expert on Credit Risk Policies and Procedures.
* Identify, investigate, assess and report on credit risk matters making sure that it complies with organisational policies and procedures.
* Determine the creditworthiness and credit risk profile of new and existing merchants, thereby preventing financial loss.
* Handle daily operations according to organisational policies and procedures within agreed Service Level Agreements.
* Perform periodic reviews on existing merchants to ensure there are no adverse changes in their credit risk exposure.
* Ensure completeness and accuracy of client documentation as well as preparation for review by domestic and international credit risk committees.
* Present credit risk assessment recommendations to relevant committees.
* Provide support and guidance as required by the Customer Due Diligence (CDD) team on credit risk, including financial analysis.
* Support the Head of Credit Risk in ensuring all credit risk systems, processes and procedural level documentations are created, maintained, reviewed and optimised.
* Develop organisational awareness in terms of credit and wider risk management.Work collaboratively with the Sales organisation to ensure end-to-end onboarding process of customers is optimised, whilst managing credit risk within acceptable levels.
Requirements:
* 5+ years within the credit risk environment, assessing large corporates.
* 3+ years in payments or technology driven organisations.
* Experience in merchant acquiring organisations.Working knowledge with credit risk assessment, and analytics tools.
Competencies & Knowledge:
* Excellent knowledge of financial statement assessment, including ratio analysis.
* Planning and organisational skills.
* Influencing and negotiation skills.
* Communication and presentation skills.
* Commercial awareness and industry knowledge.
* Results driven and ability to work under pressure.
* Advanced knowledge of Office products, including PowerPoint and Excel.
* Multicultural and flexible mindset with ability to multi-task and work in international environments.Some knowledge of Customer Due Diligence and Fraud Risk, within a merchant acquiring context would be beneficial.
Qualifications:
* Bachelor Degree (Commerce, Accounting, Economics, Finance, or equivalent).Industry Certification (AICM, etc).