Job Description
Team Lead Credit Risk

THE OPPORTUNITY

We are looking for a Team Lead Credit Risk to become part our Cedit Risk department and lead one of our international based teams. Your team will have the end-to-end credit risk management responsibility for managing our global merchant portfolios and managing large credit exposures for several licensed entities within Worldline Merchant Services.
As Team Lead your will manage a team of (senior) credit risk analysts (>6 FTE) and your own small portfolio with complex and strategical merchants. You will be a leading example as working foreman in performing enhanced credit risk and financial analysis, conduct credit memos and annual reviews of merchants to assess their creditworthiness. You can approve credit exposures and be leading in negotiating terms and conditions with clients and represent your team in the relevant Risk Committees.
About the Team :
The Credit Risk department is part of the MS Risk organization and we support the Go-To-Markets Global Commerce, Enterprise and SMB by ensuring new and existing Merchant credit exposures and minimizing credit losses. The team is growing and currently consists of over 20 colleagues spread across different international offices. The regular exchange with colleagues from different countries ensures exciting daily work and challenges at the same time.

• Leading a team of Credit Risk professionals and be responsible for your own and team portfolios
• Performing in-depth financial analyses (P&L, BS and CF) and conduct detailed underwriting / credit assessments documenting the merchant business model and sector dynamics, financial performance with the key indicators, credit risks and mitigants
• Presenting your credit proposal to divisional and group risk committees
• Performing quality control of your team’s output
• Carry out annual/periodic credit reviews of assigned limits and recommend risk class, changes in limit and collateral setup based on the outcome of the analysis
• Collaborate closely with business development and advise/support them on the boarding process
• Communicate effectively internally and externally at executive level
• Review legal documents and amendments ensuring compliance with policies and procedures
• Credit risk signing authority (based on your level of expertise/experience)
• Ability to coach, develop and guide your team members