Senior Credit Analyst

Senior Credit Analyst – Taguig City, Philippines
Would you like to play a key role in helping a NYSE listed global financial services company navigate business processes in Finance? Are you ready to unleash your potential in a global business that is committed to making financial services accessible to people everywhere? Then it’s time to join Western Union as Senior Credit Analyst.

Western Union powers your pursuit.
The Senior Credit Analyst position is responsible for supporting the Risk and Credit Finance Manager in analyzing, monitoring & managing Agents' Credit Risk & Sovereign risk, Collection of Accounts Receivable, and Credit Administration. The job will involve liaison with regional colleagues and Agent partners, and will work closely with Business Development, Operations, Accounting, Legal and Agent Support teams supporting the Asia Pacific region. The goal is to maximize business opportunities and increase cash flow, while minimizing risk exposure. This position also involves participation in special projects of the global Risk & Credit Finance team as well as the local Business office.

Role Responsibilities

• Collection of accounts receivable from Agents in Asia Pacific countries to maximize cash flow to Western Union and minimize credit loss & write-offs.
• Reconciliation of agent’s account balances (payments and receivables).
• Daily limit management.
• Credit Underwriting - analysis & management of credit risk of Agents & Sovereign risk.
• Credit Administration & preparation of regional credit reports.
• Resolves complex Credit issues and makes sound Credit decision independently.
• Participation in special projects assigned (ad hoc).

Role Requirements

• Bachelor’s degree in Accounting, Business, Finance, Economics, or related course is required.
• At least 3 to 5 years’ experience as Credit analyst or related function.
• Experience in the collection of accounts receivable, analysis of financial statements and credit review is preferred.
• Experience in the fintech/ financial services/ banking industry will be an advantage.
• Experience in Financial Planning and Analysis (FP&A) will be an advantage.
• Experience in problem solving and decision-making bearing in mind business implications and/or financial risks.
• Proficiency on MS Office (Word, Excel, PowerPoint)
• Excellent verbal and written communication skills.
• Role will be based in Taguig City, Philippines for APAC Region.

We make financial services accessible to humans everywhere. Join us for what’s next.
Western Union is positioned to become the world’s most accessible financial services company — transforming lives and communities. We’re a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people at

Benefits
You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few
( Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your Philippines specific benefits include:

• Paid Sick Leave and Vacation Leave
• Health card (HMO) coverage with unlimited dependents from day 1 of employment
• Performance Incentive Program/ Performance Bonus
• Hybrid Working Arrangement
• Unique Incentive Program

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

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