This is Worldline

We are the innovators at the heart of the payments technology industry, shaping how the world pays and gets paid. The solutions our people build today power the growth of millions of businesses tomorrow. From your local coffee shop to unicorns and international banks. From San Francisco to Auckland. We are in every corner of the world, in every part of commerce. 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

Under the responsibility of the Group Head of Merchant Risk, the Group Merchant Risk Manager tackles merchant risk (credit risk, fraud risk, payment schemes risk, integrity risk) and ensures that the risk/reward balance is consistent with Worldline’s strategy. The primary responsibility of Merchant Risk Manager is to contribute to the design of and oversee the Merchant Risk Policy Framework and related standards, as well as control its effective implementation within the organization and within the 1st Line. The MRM works closely with internal stakeholders in establishing onboarding, underwriting and monitoring standards. The MRM partners with product teams, operations, data engineers and risk experts to plan, develop and deliver projects related to merchant risk, including all stages of project identification, stakeholder engagement, project management, and closeout. The MRM contributes to the development of a risk-aware culture across the company.

Day-to-Day Responsibilities

• Contribute to the maintenance of the Group Merchant risk policy, in particularly focusing on Merchant Credit Risk standards
• Lead and contribute to enhancement of the Merchant Credit Risk standards and merchant risk appetite related to Credit risk, in close collaboration with 1st Line Merchant Risk
• Implement and perform controls and validations of the merchant risk process to ensure a high standard is met within the Underwriting & Risk Monitoring team and the first line in general regarding risk assessment and monitoring
• Contribute to the development of merchant risk steering and quarterly portfolio report, in alignment with management expectations
• By close collaboration with the Data Risk team ensure that quarterly recurring and ad-hoc merchant risk reports meet quality standards and align in a timely manner with management needs
• As owner of methodology tools (i.e. SDD list, credit memo) ensure that credit exposure calculation tools are updated and available to 1st Line teams
• Ensure close collaboration with risk experts from 1st Line as well as with AML & Compliance officers when developing merchant risk policies and risk management tools & methodologies

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:

• Higher university degree in a relevant field (Economics, Finance, Financial Risk Management, Business or similar)
• Solid project management and planning skills to lead and deliver change
• Minimum 5 years’ experience gained in credit analysis
• Minimum 1 year of experience within ORM, related to internal control testing or similar
• Excellent communication skills for interacting effectively with senior management, business lines, other risk management functions and external stakeholders
• Ability to work with operations teams to identify and assess the level of risk the organization is taking on and to propose actions to mitigate risks
• Takes personal ownership; self-starter; ability to drive projects with minimal guidance and focus on high impact work

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, we offer:

Attractive number of holidays so you can enjoy some time off and recharge!

• We offer flexible working hours, so you can adapt to your personal circumstances. Hybrid set up is possible too!
• We pay for your commute when working from the Worldline office.
• On target bonus based on your personal performance and the company results.
• Opportunity to develop yourself in a rapidly growing and agile global organization.
• Joining the big-league means entering a world of knowledge and wisdom for you to opt-in to. Connect with likeminded colleagues, learn from the best and grow!

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 careers.worldline.com