Senior Credit Risk Analyst

About Us at GoCardless

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. 

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you We're committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we're here to help 

And remember: we don't expect you to meet every single requirement. If you're excited by this role, we encourage you to apply

The role

We're looking for a Senior Credit Strategy Analyst to help design, analyse, and optimise GoCardless's credit risk strategy. You'll play a key role in understanding portfolio performance, shaping policy recommendations, and developing data-driven strategies to manage and mitigate credit losses across our global merchant base.

This role does not perform underwriting or credit assessments – that work sits within our Credit Underwriting team, part of Shared Services. Instead, you'll work closely with them and other teams, such as our product organisation, internal operations teams, and commercial teams to ensure our credit policies and frameworks are robust, scalable, and commercially aligned.

You'll work in a small team that leads our approach to credit – from new product risk design to portfolio-level mitigation strategies – helping shape GoCardless's risk posture as we scale.

What excites you

Helping us launch new products & enter new markets

• Work collaboratively to bring new products to life, and to support market expansion initiatives.
• Collaborate with Product, Legal, and Engineering teams to define risk-mitigating product features (e.g. reserve models, caps, loss provisioning).
• Ensure credit exposure is appropriately scoped and managed in early-stage designs.

Developing strategies to manage portfolio risk 

• Develop strategic frameworks for managing credit risk across our customer base, tailored to both SMBs and enterprise merchants.
• Analyse trends in portfolio performance and develop recommendations to reduce loss exposure.
• Work with cross-functional teams to implement interventions (e.g. policy changes, automation, product levers).

Building cross-functional partnerships

• Partner closely with the Credit Underwriting team (in Shared Services) to ensure strategic alignment between credit policy, execution, and performance outcomes.
• Collaborate with Finance, Legal, Product, Engineering, and Commercial teams to embed credit risk into key business decisions and systems.

Build out our rules and models

• Define, write, test and deploy our credit monitoring and decisioning rules and models.
• Review those rules and models regularly to ensure they are performant, and drive our reporting on credit risk across the business.
• Have a hand in the development of capabilities that underpin our decisioning and modelling systems. 

What excites us

• Experience in credit risk strategy, ideally in payments, fintech, or financial services.
• Strong understanding of credit exposure in B2B environments.
• Proven ability to partner with operational teams to drive outcomes – you've worked with underwriting teams before.
• Data-savvy and comfortable working with risk, finance, or performance metrics to inform decisions.
• Strong data background with skills in SQL modelling and using data environments such as Big Query.
• The ability to communicate clearly and concisely, especially when it comes to explaining complex credit concepts to diverse audiences.

We don't expect you to meet every requirement. If you're excited by this role, we encourage you to apply. 

Base salary range: £48,000 - £72,000

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (£48,000 - £60,000) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

The Good Stuff

• Wellbeing: Dedicated support and medical cover to keep you healthy.
• Work Away Scheme: Work from anywhere for up to 90 days in any 12-month period.
• Hybrid Working: Our hybrid model offers flexibility, with in-office days determined by your team.
• Equity: All permanently employed GeeCees get equity to share in our success.
• Parental leave: Tailored leave to support your life's great adventure.
• Time Off: Generous holidays, 3 volunteer days, and 4 wellness days annually.

Life at GoCardless

We're an organisation defined by our values; We start with why before we begin any project, to ensure it's aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

Diversity & Inclusion

We're building the payment network of the future, and to achieve our goal, we need a diverse team with a range of perspectives and experiences. As of July 2024, here's where we stand:

• 45% identify as women 
• 23% identify as Black, Asian, Mixed, or Other 
• 10% identify as LGBTQIA+ 
• 9% identify as neurodiverse 
• 2% identify as disabled 

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

Sustainability at GoCardless

We're committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we're working towards a climate-positive future. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via X, Instagram and LinkedIn. 

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