Senior Credit Risk Analyst

About the role

Ecommpay is hiring a Senior Credit Risk Analyst within its Finance department. The role owns the assessment, measurement and pricing of merchant and counterparty risk across a global portfolio, including Deferred Delivery Merchants. It sits alongside Risk, Pricing, Sales and senior management, with analysis feeding board reporting and annual planning.

Key responsibilities

• Analyse the merchant portfolio, quantify exposure and define reserves, security deposits and settlement terms, including Deferred Delivery Merchants
• Run credit assessments on financial statements, cash flow, liquidity, ownership, trading history, chargebacks and refunds; escalate breaches of agreed limits
• Calculate IFRS 9 expected credit losses, build and maintain PD, LGD and EAD inputs, stage assets and document macroeconomic scenarios
• Maintain the provision matrix, prepare ECL disclosures for audit and defend the methodology
• Translate risk grades into pricing, reserves, settlement terms and collateral, and reprice merchants whose risk has changed
• Improve the credit risk policy, scoring model, approval matrix and delegated authorities; prepare credit memos for the Credit Committee
• Design a tiered assessment workflow and deliver monthly portfolio reporting to management and the board risk committee
• Own the risk assumptions in the annual revenue baseline, based on historical data, and review exposure and loss experience regularly

Required profile

• 3+ years in credit risk, counterparty risk or credit analysis, ideally in banking or merchant acquiring (payments, fintech, trade finance or credit insurance)
• Hands-on IFRS 9 ECL experience, including calculations, staging and PD/LGD/EAD inputs, and defending the methodology to auditors
• Strong financial statement analysis and risk-based pricing experience
• Excellent knowledge of English

Required skills

• Advanced Excel for portfolio analysis
• IFRS 9 ECL calculations and staging
• Advantageous: deferred delivery exposure, card scheme chargeback rules, building a credit function, counterparty risk assessment

What we offer

• Salary range of 3,000-4,500 EUR gross per month
• Performance-based bonuses, a hybrid work model and health insurance including dental
• Company Academy with paid training, loyalty days and a paid day off on your birthday