Credit Analyst/Underwriter at Global Payments

Dublin, County Dublin, Ireland

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Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Payments, FinTech, Merchant ServicesIndustries

Requirements

Ability to work full-time in Dublin or Leicester
Capability to collaborate with Credit Team Members across locations including Leicester, England, Dublin, Ireland, and Manila, Philippines

Responsibilities

Underwriting of businesses applying for Card Payments facilities
Assessment/evaluation of feasibility of merchant’s business models in POS (Point-of-Sale), MOTO (Mail Order/Telephone Order), and ECOM (E-Commerce) environments, including inherent risks related to card acceptance/acquiring
Performance of financial analysis based on financial statements and forecasts
Assessment of business models in the context of due diligence and compliance with payment institutions' guidelines
Assess and interpret Credit Bureau Reports
Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
In line with granted credit authority, approval of merchant applications based on risk assessment, including definition of required collaterals
Communicate with sales channels and partners regarding new applications
Proactively monitoring of the Merchant Portfolio
Verification of adherence to compliance requirements and credit guidelines
Periodic credit reviewing of the portfolio
Participation in training of partners and merchants on risk management processes
Calculation of reserves/collaterals based on credit exposure
Work in close collaboration with wider Credit Team Members in other Global Payments locations

Skills

Key technologies and capabilities for this role

UnderwritingCredit AnalysisFinancial AnalysisRisk AssessmentDue DiligenceCredit Bureau ReportsE-Commerce VerificationMerchant OnboardingPOSMOTOECOM

Questions & Answers

Common questions about this position

Is this a remote position or does it require office work?

Team members are based in both Dublin and Leicester, indicating an office-based role in these locations.

What are the main responsibilities of the Credit Analyst/Underwriter role?

Key duties include underwriting businesses for card payments, assessing merchant business models and risks in POS, MOTO, and ECOM environments, performing financial analysis, reviewing credit bureau reports, and monitoring the merchant portfolio.

What is the salary or compensation for this position?

This information is not specified in the job description.

What is the team structure like for this role?

The role involves working in close collaboration with wider Credit Team Members in other Global Payments locations including Leicester, England, Dublin, Ireland, and Manila, Philippines, as part of an expanding regional team in UK & Ireland.

What kind of experience makes a strong candidate for this Credit Analyst/Underwriter position?

Strong candidates will have experience in underwriting, financial analysis of business statements and forecasts, risk assessment in payment environments, credit bureau report interpretation, and merchant portfolio monitoring.