Senior Credit Risk Expert




Who we are



Worldline helps businesses of all shapes and sizes to accelerate their growth journey - quickly, simply, and securely. We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. Our technology powers the growth of millions of businesses across 5 continents. And just as we help our customers accelerate their business, we are committed to helping our people accelerate their careers. Together, we shape the evolution.




The opportunity



We are looking for a
Senior Credit Risk Expert to be part of the Credit Risk Centre of Excellence within our global Credit Risk department, which consists of several globally spread teams with end-to-end credit risk management responsibility at merchant and portfolio level.



In this challenging role, you will be at the core of our organization with a high level of exposure, contributing to the quality and high standards within Credit Risk and supporting Worldline's growth and profitability by ensuring sustainable new and existing credit exposures and minimalization of credit losses.



Besides your direct colleagues within Credit Risk, you will work closely with various stakeholders such as Sales, Legal and other Risk departments. This position is based in Poland and we offer a hybrid way of working from home and at our great Warsaw office.



Our global Credit Risk department is part of Risk Management & Operations and it manages international merchants in various industries. Our primary focus is on reviewing new and existing merchants, monitoring non-delivery exposure and credit quality on merchant and portfolio level. The Credit Risk department is growing and currently consists of more than 20 professionals spread across different offices worldwide. The regular exchange with colleagues and experts from different countries ensures exciting daily work and challenges at the same time. Within Credit Risk, we are globally minded with a FinTech touch. You will experience this in your everyday life as a Worldliner.




Day-to-day responsibilities

• Update and improve Worldline Credit Risk Standards in close collaboration with Group Merchant Risk Management department.


• Development and update credit risk templates for merchants financial assessment and credit exposure estimation


• Performance of periodic internal controls on Credit Risk Management teams' activities


• Quality assurance and credit tooling ownership


• Development and improvement of Credit Risk Standard Operating Procedures


• Continuous contribution to further professionalization of the Credit Risk Center of Excellence (CoE)


• Assess new Digital Payment Solutions to define the implication from a Credit Risk perspective and provide guidance on the credit risk assessment to perform for each different Payment Solution offered.


• Provide guidance and recommendations, on request and pro-actively, to the operational risk teams (e.g. Credit Risk, Onboarding, Monitoring) ensuring them to optimize their standard operating procedures (SOP)


• Provide training to the Credit Risk Management teams about the latest Credit Risk Standards or Standard Operating Procedures and any other subject related to Credit Risk Management, as well as to other departments, as sales organization, account management and other relevant stakeholders.

Who are we looking for



We look for big thinkers. People who can drive positive change, step up and show what's next - people with passion, can-do attitude and a hunger to learn and grow. In practice this means:

• Enhanced experience within credit risk management, credit ratings and methodologies


• Deep understanding of financial statements and accounting principles


• At least 5 years of analytical experience with corporate credit risk assessments


• You are result-oriented and diligent with a strong ability to prioritize work in a fast-paced and changing environment


• You have a good sense of responsibility and always strive for perfection and deliver simplicity


• Strong communication and presentational skills


• Negotiation and stakeholder management skills


• Self-driven and solution oriented


• Full working proficiency in English, any additional professional language skill as Polish is considered a plus


• Preferable a master's degree in finance, accounting, business economics, or related field


• Payment or FinTech industry experience would be a plus

Perks & Benefits



At Worldline you'll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that, you will also get:

• Private medical & life insurance


• MyBenefit Platform


• Holiday allowance


• Referral program


• Public transportation allowance


• Meal allowance


• Yearly bonus

Shape the evolution



We are on an exciting journey towards the next frontiers of payments technology, and we look for big thinkers, people with passion, can-do attitude and a hunger to learn and grow. Here you'll work with ambitious colleagues from around the world, take on unique challenges as a team, and make a real impact on the society. With an empowering culture, strong technology and extensive 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.



Learn more about life at Worldline at jobs.worldline.com



We are proud to be an Equal Opportunity employer. We do not discriminate based upon race, religion, color, national origin, sex, sexual orientation, gender identity, gender expression, age, status as an individual with a disability, or any applicable legally protected characteristics.



Pursuant to the Article 24 sec. 6 of the Act of 14 June 2024 on the protection of whistleblowers, we inform you that Worldline Financial Services (Europe) S.A., a joint-stock company, Branch in Poland (hereinafter referred to as Worldline) is governed by the Regulations on the receipt of internal reports and taking follow-up actions (hereinafter referred to as the Regulations).



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