Senior Credit Risk Analyst

Reporting to the Group Risk and Compliance Director, ClearAccept are recruiting for an experienced Senior Underwriter / Credit Risk Analyst with responsibility for first line merchant on-boarding, associated escalations, underwriting and account monitoringwithin the ClearAccept regulated portfolio.

As well as your core responsibilities, the role will incorporate elements of compliance, transaction monitoring and regulatory reporting offering varied and extensive profile within the business and wider ClearCourse Group.

**Requirements**:
You will lend your expertise to shaping the ClearAccept risk and underwriting frameworks in line with our growing merchant portfolio and be expected to work autonomously within the remit of your delegated authority whilst escalating credit risks promptlyand appropriately as defined by the ClearAccept policy suite.

Required skills & experience:

- 5+ years experience in credit risk role, ideally in a payments organisation, acquirer or equivalent Fintech business
- Financial statement analysis
- Deep understanding of end-to-end customer due diligence processes
- Able to develop effective risk and underwriting policy, scorecards and risk matrices
- Ability to calculate relevant exposure calculations i.e. non-delivery and incorporate into overall decision on risk terms
- Strong analytical, decision-making, and financial evaluation skills
- Determine and report on key performance metrics
- Monitor and manage ClearAccepts credit exposure
- Knowledge and understanding of the UK regulatory landscape, the FCA Handbook and JMLSG guidance
- Highly proficient with MS Office software, especially Excel
- Ability to balance issue resolution with escalation to senior leadership
- Able to manage a varied workload and demonstrate excellent attention to detail
- First class face-to-face and written communication skills
- Self-starter with demonstrable track record of initiative and attention to detail
- Ability to work autonomously

Desired skills & experience
- Engaging merchants directly to resolve credit risk and compliance issues
- Engaging with both internal, and external stakeholders
- Working with product and\or development teams to build or enhance software features to support Risk and Compliance requirements
- Evidence of roles involving task juggling and managing multiple responsibilities to deadlines

**Benefits**

We offer a competitive benefits package which includes: life assurance, private medical cover, income protection, company pension, annual discretionary bonus and 25 days annual leave, as well as additional flexible benefits to suit your lifestyle and enhanceyour well-being and in our London HQ we also provide free fruit, soft drinks and healthy snacks.

Across our whole business, we're investing in our people, expanding our expertise and developing our vision. Want to get on board? We'd love to speak with you.

**About ClearCourse**

Our software products service clients in the Membership Services, Business Services, Events & Leisure, Retail and Payments Solutions industries. Our solutions help organisations become more efficient, effective and profitable, and achieve their goals byproviding them with technology platforms that integrate seamlessly with the most popular CRM, event management and marketing automation platforms.

**Our FAIR Corporate Values**

**F**uture-proof: We seek out innovation and we continually strive for progress

**A**pproachability:We're approachable and we communicate with respect and empathy

**I**ntegrity:We will only do what we believe to be the right thing

**R**esponsibility:We are accountable for ourselves, our organisation and the world around us