Credit Risk Director & US Large Credit Risk & Merchant Underwriting

Job Description

Are you ready to unleash your full potential? We're looking for people who are passionate about payments to chart Worldpay's path to being the largest and most-loved payments company in the world. The U.S. 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 Will Be Doing

The primary responsibility of the Worldpay Credit Director is to support complex risk management work for evaluating high‑risk new business relationships, handling high‑risk existing portfolio problem account management, and providing oversight and support for multiple Credit Analyst team members. The US Large Credit team is primarily focused on large, high‑risk / exposure merchants that require in-depth portfolio evaluations, direct client interactions, internal business team engagement, and senior‑level diplomacy in managing detailed risk‑mitigation actions, including securing 7+ dollar‑figure collateral positions and merchant relationship exits.

• Obtains and reviews the financial statements of merchants
• Performs extensive analysis of financial statements and provides an assessment of their credit profile and makes supportable recommendations for exposure
• Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant
• Recommends and establishes 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, requiring 2-3 days in office

Minimum Skill Requirements:

• 10+ 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

Preferred Additional Requirements:

• Knowledge of merchant acquiring services and the payment processing industry
• Degree in Finance, Accounting, or similar formal credit training
• Prior experience managing a team

What we offer you

• A competitive salary and benefits
• A variety of career development tools, resources, and opportunities
• The chance to work on some of the most challenging, relevant issues in the payment industry
• Time to support charities and give back in your community

Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here.

If you are made a conditional offer of employment and will be working in the United States, you will be required to undergo a drug test. In developing this job description care was taken to include all competencies and requirements needed to successfully perform the position. Reasonable accommodations will be provided for individuals with qualified disabilities both during the hiring process, as well as to allow the individual to perform the essential functions of the job, if hired.