Credit Risk Analyst

Paynt. Payments As You Need Them.

Who We Are

We are a dynamic payment solution provider, founded in 2013, rapidly evolving to deliver cutting-edge payment and financial products. We operate in the UK, Ireland, Europe and North America.

At Paynt, we aim to be the preferred acquirer for European payment solution providers. We have grown considerably in the last 12 months and need experienced colleagues who can continue to help us push forward and achieve our vision, and we’re now looking for talented individuals to join us on our ambitious journey.

What We Need

We're on the lookout for a Credit Risk Analyst who will contribute to building new credit & loss mitigation strategies and manage exposures on our existing merchant portfolio.

Your Responsibilities

• Conduct ongoing merchant credit exposure evaluations
• Obtain and review relevant financial and non-financial information needed to complete credit risk assessments
• Communicate merchant assessments and credit risk decisions with internal and external stakeholders
• Monitor merchant balances, evaluate financial terms and consider potential risk indicators prior to payouts
• Produce monthly portfolio reviews, highlighting credit exposure, negative balances and merchant profitability versus exposure analysis
• Develop and maintain applicable policies and procedures
• Escalating high exposure merchants to management
• Present monthly reports and credit risk findings to Paynt’s Finance and Commercial teams
• Periodic report preparation
• Conduct loss review analysis
• Merchant debt reclaim process management

Your Profile

• Ability to work in a dynamic and fast-paced environment
• Experience in merchant acquiring (preferred)
• Experience with corporate/commercial/B2B credit underwriting
• Experience of managing merchant debt and the debt recovery process
• Strong Excel skills and comfortable manipulating data
• Structured approach to problem solving
• Strong attention to detail
• Strong communication skills
• Fluent in English

What We Offer

• Competitive Salary that is being reviewed regularly
• Equity Compensation
• Health Insurance
• Extra Health Days Off
• Hybrid Work Model
• Great Office Location: Riga city center
• Growth Environment: Training and certification opportunities
• Diverse and Supportive Culture: Work in a lively, diverse, and fun environment with endless growth opportunities

Why Join Us

Whenever there's chemistry and the right match of competencies, we always find good terms to welcome you into our team.

Share your application, and let's Paynt the future together!