Worldline [Euronext: WLN] is the European leader in the payment and transactional services industry. With innovation at the core of its DNA, Worldline’s core offerings include pan-European and domestic Commercial Acquiring for physical or online businesses, secured payment transaction processing for banks and financial institutions, as well as transactional services in e-Ticketing and for local and central public agencies. Thanks to a presence in 30+ countries, Worldline is the payment partner of choice for merchants, banks, public transport operators, government agencies and industrial companies, delivering cutting-edge digital services. Worldline’s activities are organized around three axes: Merchant Services, Financial Services including equensWorldline and Mobility & e-Transactional Services. Worldline employs circa 11,000 people worldwide, with estimated pro forma revenue of circa 2.3 billion euros on a yearly basis. worldline.com (Sr.) Credit Risk Analyst Hoofddorp This is Worldline. Worldline helps businesses of all shapes and sizes to accelerate their growth journey - quickly, simply, and securely. We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. Our technology powers the growth of millions of businesses across 5 continents. And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution. The Opportunity We are looking for a Credit Risk Analyst to become part of our global credit risk department consisting of several international based teams who have the end-to-end credit risk management responsibility at merchant and portfolio level. Our scope is across several legal and licensed entities within Worldline Merchant Services (MS). In this challenging role you will be at the core of our organisation with a high level of exposure, supporting Worldline’s growth and profitability by ensuring sustainable new and existing credit exposures and minimalization of credit losses. As our new colleague you are responsible for the credit risk management for large merchants and the assigned merchant portfolio. You are involved in the negotiating process with merchants and can take well balanced decisions or professionally present your recommendation to relevant Risk Committees for decisioning. You will work closely with various stakeholders such as sales, account management, legal and other risk departments and can attend (online) meetings with merchants. Day-to-Day Responsibilities

In-depth financial analyses and enhanced credit assessments, analysing and documenting the merchant business model and sector dynamics, financial performance and key indicators, risks and effective mitigants
Professional presentation of credit proposals to MS and Goup risk committees
Performing periodic credit reviews, take on new onboarding requests, handle change request (terms & conditions) and credit exposure/limit increases, watchlist monitoring and collateral management
Collaborate closely with sales, account management and operations, to ensure smooth onboarding
Communicate and negotiate effectively with merchants at CFO or treasurer level
Assess terms and conditions, review legal documents and contract amendments ensuring credit risk mitigation and conditions are correctly defined
Credit risk approval authority based on your level of experience and expertise

Who Are We Looking For We look for big thinkers. People who can drive positive change, step up and show what’s next – people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

Enhanced experience within credit risk management, credit ratings and methodologies
Deep understanding of financial statements and accounting principles
At least 5 years of analytical experience with corporate credit risk assessments
Communication and presentational skills
Negotiation and stakeholder management skills
Self-driven and solution oriented
Full working proficiency in English, any additional professional language skills is considered a plus
Preferable a master’s degree in finance, accounting, business economics, or related field

Perks & Benefits At Worldline you’ll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also:

Be part of a company guided by a strong purpose to do good and recognized as top 1% of the most sustainable companies in all sectors worldwide
Work with inspiring colleagues and be empowered to learn, grow and accelerate your career
At Worldline our top priority is to engage, encourage and develop you to help you improve your potential. In fact, we have comprehensive training and development programs in place demonstrating our dedication to developing your career
And many more...

Shape the evolution We are pushing towards the next frontiers of payments technology, and we look for big thinkers to join our journey. People with passion, can-do attitude and a hunger to learn and grow. Here you’ll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on the society. And with our empowering culture, strong technology and extensive training opportunities, we help you accelerate your career. Wherever you decide to go. Join our global team of over 18,000 innovators across 40+ countries, and shape a tomorrow that is yours to own. Learn more about life at Worldline at jobs.worldline.com We are proud to be an Equal Opportunity employer. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.

Senior Credit Risk Analyst