Ecommpay is on a mission to build a global, data-driven payment ecosystem. We help top e-commerce companies to grow globally with local bespoke solutions. You have a unique chance to be the driving force behind Ecommpay's payment platform as a Credit Risk Analyst.

Responsibilities

• Underwriting & Due Diligence: Conduct in-depth credit assessments and financial analysis of prospective and existing merchant applications, focusing on financial statements, business models, and fraud risk
• Exposure Management: Set, review, and adjust appropriate merchant processing limits, collateral requirements (e.g., reserves), and payment terms to mitigate potential credit losses
• Portfolio Monitoring: Perform ongoing monitoring of the merchant portfolio, identifying early warning indicators, anomalies in processing volume, and signs of financial deterioration
• Policy & Compliance: Ensure all underwriting and credit risk procedures adhere strictly to internal risk appetite, Card Scheme rules, and UK financial regulations (e.g., FCA requirements)
• Stakeholder Collaboration: Partner closely with Sales, Compliance, and Operations teams to ensure a balance between effective risk management and enabling business growth

Requirements

• Proven experience in Credit Risk or Underwriting, ideally within merchant acquiring, payments, FinTech, or commercial banking
• Strong financial analysis skills, including the ability to interpret company financial statements and calculate key credit ratios
• Excellent analytical, problem-solving, and communication skills, with proficiency in Excel, SQL, or R (or similar data tools) a plus
• Solid understanding of the payments ecosystem, including chargebacks and regulatory requirements for UK financial institutions
• Proficiency in English

What we offer:

• Make your mark on a fast-growing fintech industry becoming part of 500+ team with 4 offices worldwide
• Enhance your skills with our own Academy and receive compensation for additional trainings and courses to foster your growth
• Earn performance-based bonuses tied to achieved KPIs
• Enjoy the flexibility of a hybrid work model
• Receive generous health insurance

At Ecommpay, you get to work in a flat, open and free environment, surrounded by committed, smart and talented colleagues from various cultural and academic backgrounds. Ecommpay is committed to giving people the opportunity to grow, and you’ll be able to develop your role over time.

Let's grow!

Should you require any support or require alternative formats of our vacancies below please contact Natalja Krumina at nkrumina@ecommpay.com