Senior Associate Credit Risk Analyst

Ready to take your career global?

Your analytical skills can shape business decisions and help build a stronger future for commerce. At Global Payments, you’ll turn financial insights into informed credit decisions, helping us manage risk, create business opportunities and build lasting relationships with clients and partners.

What you’ll own
- Drive informed credit decisions: Analyze consumer and commercial credit data, financial information and business performance to develop sound recommendations for small to moderately complex deals and applications, balancing business growth with responsible risk management.
- Identify and manage risk exposure: Apply credit policies, risk models, risk tables and business assumptions to assess potential exposure, protect portfolio quality and inform decisions that align with Global Payments’ credit strategy.
- Shape business opportunities: Evaluate deal structures, terms and conditions to identify appropriate credit solutions that balance commercial objectives with acceptable levels of risk.
- Influence client and partner relationships: Clearly communicate credit decisions and approval terms to prospects, channel partners, sales representatives and relationship managers, building confidence in recommendations and strengthening business relationships.
- Deliver clear credit insights: Develop detailed credit analyses and approval recommendations that give senior leaders the financial insight they need to make confident, informed decisions.
- Strengthen portfolio quality: Assess merchant portfolios being considered for conversion or acquisition, identify high-risk accounts and recommend appropriate deal structures or exclusions to protect the business.
- Build consistent credit standards: Apply established policies and quality assurance practices to maintain sound credit decisions, reduce exposure and promote consistency across deals and client portfolios.
- Own your performance: Deliver against financial objectives and service level agreement expectations, maintaining productivity, efficiency and high-quality outcomes while continuously developing your credit expertise.

What you bring
- A bachelor’s degree in Finance, Accounting, Statistics, Business or a related field that develops strong mathematical and analytical capabilities.
- At least two years of relevant experience in finance, accounting or a similar analytical role.
- Credit analysis experience, ideally with exposure to consumer or commercial credit.
- Strong analytical and problem-solving skills, with the ability to interpret financial information, assess risk and make sound recommendations.
- The confidence to explain financial findings, communicate credit decisions and build productive relationships with internal and external partners.
- Good judgment and the ability to apply policies, procedures and established frameworks to resolve problems of moderate complexity.
- A proactive, accountable mindset, with the curiosity to develop your expertise, the confidence to take ownership and the determination to deliver results as part of a team.

It's a bonus if you have

- Experience with the payments industry is strongly preferred.

- A collaborative, curious approach and the willingness to learn from experienced analysts while building your own subject matter expertise.

About the team

You’ll join a team where curiosity, accountability and collaboration drive better outcomes. Working alongside experienced credit professionals, you’ll strengthen your expertise, develop your commercial judgment and gain exposure to consumer and commercial credit across a global business. Every decision you make contributes to our ability to grow responsibly and deliver for our clients.

In this role, you’ll shape credit decisions, influence business opportunities and protect the quality of our client portfolios. You’ll own credit recommendations, identify opportunities to manage risk and build trusted relationships with internal and external partners. As you grow your expertise and influence, you’ll play an important part in shaping the future of commerce.

Our perks - what we’ll bring for you
We know it’s bigger than just your career. It’s your life, and your world. That’s why we offer global benefits and programs to support you at every stage. Here’s a taste of what you can expect.

A competitive salary and benefits package that recognizes your contribution
Opportunities to grow your skills and build your career within a global business
Access to learning, development and on-the-job experiences that expand your expertise
A supportive, inclusive team environment where your ideas and input matter
Time to give back through community and charity initiatives
A global employee assistance programme to support your wellbeing
Recognition through a global platform that celebrates your achievements

What makes a Globalpayer?

Globalpayers think like a client, act like an owner and win as one team. We’re curious and innovative — always finding better ways to deliver impact. We empower each other to make decisions, and it’s our passion that drives excellence in everything we set out to do.

Come and be part of an ever-evolving company and get dynamic opportunities that go beyond borders.

Does this sound like you? Then you sound like a Globalpayer. Apply now to take your career global.