Credit Risk Specialist

2 weeks ago

Melbourne, Victoria, Australia Worldline Full time

ANZ Worldline Payment Solutions is a joint venture between ANZ Banking Group and Europe's leading payment technology company, Worldline.

We launched in Australia in early 2022, providing in-store and ecommerce payment solutions to around 60,000 Australian businesses. Since then we've built a new modern technology platform to enable an exciting roadmap of products and solutions that we'll launch in Australia throughout 2023 and beyond.

What's it like to work with us? We bring together the spirit of a fintech with the heritage of a big four bank. And while our expertise, products and services make us a leader in payments, our people, purpose, values and culture are the core of our organisation. As an equal opportunity employer, we know our success comes from new insights, diverse points of view and the energy of every member of our 300 strong team.

It's an exciting time to be part of our growing team. Find out more about ANZ Worldline Payment Solutions here.

The Role (12 month Maternity Leave Cover till end of Feb 2026)

The Credit Risk Specialist is a key role within the Credit Risk team of ANZ Worldline, reporting into the Head of Credit Risk. The Credit Risk team is part of Risk and Compliance and is responsible for ensuring Credit Risk is effectively managed.

Key Responsibilities

  1. Be a Subject Matter Expert on Worldline's Credit Risk Policies and Procedures.
  2. Identify, investigate, assess and report on credit risk matters making sure that it complies with Worldline Credit Risk Policies and Procedures.
  3. Determine the creditworthiness and credit risk profile of new and existing merchants, thereby preventing the company from financial loss.
  4. Handle daily operations in accordance with organisational policies and procedures within an agreed SLA.
  5. Perform periodic reviews on existing merchants to ensure there are no adverse changes in their credit risk exposure.
  6. Ensure the completeness and accuracy of the client documentation as well as preparation for review by various domestic and international credit risk committees.
  7. Present assessment recommendations to the relevant committees.
  8. Provide support and guidance as required by the Customer Due Diligence (CDD) team on credit risk, including financial analysis.
  9. Support the Head of Credit Risk in ensuring that all credit risk systems, processes and procedural level documentations are created, maintained, continuously reviewed and optimised.
  10. Build organisational awareness in terms of credit and wider risk management.
  11. Work collaboratively with the Sales organisation to ensure that the end-to-end onboarding process of customers is optimised, whilst managing credit risk within acceptable levels.

Experience

  1. 5+ years within the credit risk environment.
  2. 3+ years in payments or technology driven organisation.
  3. Experience in a merchant acquiring organisation.
  4. Excellent knowledge of financial statement assessment, including ratio analysis.
  5. Planning and organizational skills.
  6. Influencing and negotiation skills.
  7. Communication and presentation skills.
  8. Commercial awareness and industry knowledge.
  9. Results driven and ability to work under pressure.
  10. Advanced knowledge of Office products, including Powerpoint and Excel.
  11. Multicultural and flexible mindset with the ability to multi-task and work in an international environment.
  12. Some knowledge of Customer Due Diligence and Fraud Risk, within a merchant acquiring context would be beneficial.

Education

  1. Bachelor's Degree (Commerce, Accounting, Economics, Finance, or equivalent).

At Worldline we work in a flexible environment that empowers you to learn, grow and accelerate your career. You'll have access to a great mix of benefits, including:

  1. A range of health and wellbeing discounts for gym, nutrition, sporting gear.
  2. Learning and development opportunities to build your skills.
  3. Additional Leave options to support families, work in the community or take a career break. You'll also earn loyalty leave for your tenure.
  4. Monthly in person and virtual social events.
  5. Volunteering leave to support CSR activities.
  6. Plus other perks and benefits (e.g. novated leasing options).

We have modern offices and services to support our people including a parent's room, prayer room, and end of trip facilities. We also provide EAP services including financial counselling to support managers, employees and their families.

Shape the evolution:

We are on an exciting journey towards the next frontiers of payments technology, and we look for problem solvers, people with passion, can-do attitude and a hunger to learn and grow. Here you'll work with colleagues from around the world, take on unique challenges as a team, and make a real impact on society. With an empowering culture, strong technology and training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators and shape a tomorrow that is yours to own.

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