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About PayU
PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000+ merchants and millions of consumers.
As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day.
We are currently looking for a Credit Risk Analyst to join our team on a fixed-term (maternity cover) contract for approximately 18 months.
If you have experience in credit risk analysis, enjoy turning data into meaningful insights, and are looking for an opportunity to work in a dynamic international environment, we'd love to hear from you!
If you have experience in credit risk analysis, enjoy turning data into meaningful insights, and are looking for an opportunity to work in a dynamic international environment, we'd love to hear from you!
RESPONSIBILITIES AND KEY ACTIVITIES
- Produce well supported customer credit risk analysis (customer financial situation, business model, industry, and other aspects of customer activity),
- Collect of internal and external sources of information such as financial statements, external credit reports, reviews or any other information supporting credit risk analysis,
- Calculate credit risk exposure and recommend/apply necessary risk mitigants,
- Process credit risk decisions in line with approval matrix, if required - prepare recommendation to make credit decisions by the relevant credit committee,
- Support event driven or periodic review of customers portfolio in terms of credit risk verification during customer lifetime,
- Analyze and monitor customer business information, credit data and financial statements in support of establishing and maintaining accurate risk mitigants for existing portfolio.
QUALIFICATIONS AND EXPERIENCE
- 2+ years of experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle market to large, multinational institutions,
- Master’s Degree in Finance or Business-related degree,
- Proficiency in both spoken and written English.
SKILLS & KNOWLEDGE
- Advanced in customer financial situation analysis and familiarity with accounting principles,
- Very strong critical thinking traits, including analytical, problem solving, and decision-making capabilities,
- Able to work independently under pressure and accomplish tasks assigned within tight deadline,
- Strong interpersonal and communication skills,
- Familiarity with quantitative credit models (eg. Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations would be an asset,
- Hands-on experience with tools supporting analysis and reporting (tableau, SQL, excel and/or similar) would be an asset.
WHAT WE OFFER
- Benefits: ability to develop one’s own package in MyBenefit system,
- Access to an internal training platform,
- Possibility to work in a hybrid model,
- Friendly work atmosphere in a cooperation-driven team, that will support you everyday,
- Work in an international organization operating in a rapidly changing industry.
About us
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more www.payu.com
Our Commitment To Building A Diverse And Inclusive Workforce
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.
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