Credit Analyst

**Credit Analyst | Legal, Risk, Compliance & Audit| Singapore**

Are you ready to write your next chapter?

Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day.

What makes a Worldpayer? It’s simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We’re dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we’re determined, always staying open - winning and failing as one.

We’re looking for a **Credit Analyst** to join our ever evolving **Legal, Risk, Compliance & Audit** team to help us unleash the potential of every business.

Are you ready to make your mark? Then you sound like a Worldpayer.

**About the team**

The Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders.

**What you’ll own**

The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant’s credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay.
- Obtains and reviews the financial statements of merchants
- Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure
- Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.
- Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority
- Communicates effectively and professionally with internal and external clients
- Exercises sound judgment in assessing potential regulatory and reputational risks
- Monitors and communicates credit concerns to management
- Role is hybrid and requires 2-3 days in office
- Other related duties assigned as needed.

**Where you’ll own it**

You’ll own it in our **APAC **hub**. **With hubs in the heart of city centers and tech capitals, things move fast in APAC. We pride ourselves on being an agile and dynamic collective, collaborating with different teams and offices across the globe.

**What you bring**
- Skills and expertise needed to perform the job requirements listed above, at minimum
- Degree in finance, accounting or similar formal credit training with at least 1-2 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos
- Effective communication skills; attention to detail
- Strong judgment and decision-making skills
- Self-starter, able to work independently; possesses a strong sense of ownership
- Ability to creatively solve problems and achieve company objectives
- Time management skills with ability to multitask
- Knowledge of merchant acquiring services and the payment processing industry

**Worldpay perks - what we’ll bring for you**

We know it’s bigger than just your career. It’s your life, and your world. That’s why we offer global benefits and programs to support you at every stage. Here’s a taste of what you can expect.
- A competitive salary and benefits.
- Time to support charities and give back to your community.
- Parental leave policy.
- Global recognition platform.
- Virgin Pulse access.
- Global employee assistance program.

**What makes a Worldpayer**

At Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team.
- ** Curious. Humble. Creative**. We ask the right questions, listening and learning to get better every day. We simplify the complex and we’re always looking to create a bigger impact for our colleagues and customers.
- ** Empowered. Accountable. Dynamic**. We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up.
- ** Determined. Inclusive. Open.** Unlocking potential means working as one global community. Our work spans borders, an