ABOUT US AT GOCARDLESS

GoCardless 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, Portugal and the United States.
At GoCardless, we’re all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!
And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

THE ROLE

This role is part of a small operational team of credit risk underwriters, safeguarding our financial health by ensuring robust credit evaluation and proactive risk management. The team ensures that GC adopts, implements and maintains appropriate credit controls with the aim of managing credit losses whilst supporting revenue growth.
The core of the role is 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.
This role will suit someone who is comfortable with a high degree of autonomy, can pick up the basics quickly and is comfortable owning their decisions.

Understanding new and existing business models with meticulous attention to detail. You’ll be expected to get underneath and look beyond the numbers when assessing creditworthiness for SMEs and Large corporates. Core responsibilities are:

• Perform credit risk reviews and high risk onboarding processes that evaluate creditworthiness of prospective customers and risks associated with sales deals. Advise sales leadership on risk-adjusted pricing as needed.
• Review complex credit decisions and escalations, making final determinations on approvals or conditions, escalating to management as needed.
• Operate processes that manage existing customer risk, including requests for limit increases, changes to holding periods or new product access.
• Perform continuous monitoring of existing portfolios, adapting limits, holding periods, cash covers or other mitigation tools as appropriate.
• Respond quickly to risk alerts to prevent or minimize company losses