Job Type






Credit Risk Specialist Melbourne VIC

ANZ Worldline Payment Solutions

ANZ Worldline Payment Solutions Melbourne VIC Australia

3 weeks ago

Worldline is a global payments company, employing 20 000 employees worldwide, with innovative technology that addresses the challenges of the payment world. We design and operate leading digital payment and transactional solutions that enable sustainable economic growth and reinforce trust and security in our societies.

ANZ and Worldline have formed a long-term Alliance through a joint venture. This new company will bring added value to merchants while combining ANZ large banking network and established positions with Worldline State-of-the-art payment technology stack and business expertise.

The joint venture will be focused on creating an environment where people’s talent and dedication to excellence can thrive, and with access to Worldline’s large range of ambitious and career enhancing development programs. These include formal training, career development programs, learning days, tech forums, mentoring and an Expert Network community.

The Opportunity

The Credit Risk... Specialist is a key role within the Underwriting team of ANZ Worldline, reporting into the Head of Underwriting, KYC & AML. The Underwriting team is part of the First Line Risk & Compliance (1LRC) team and is responsible for ensuring Credit Risk is effectively managed.

Key Responsibilities
• Be a Subject Matter Expert on Worldline’s Merchant Underwriting Policies and Procedures.
• Identify, investigate, assess and report on credit risk matters making sure that it complies with Worldline Merchant Underwriting Policies and Procedures.
• Determine the creditworthiness and credit risk profile of new and existing merchants, thereby preventing the company from financial loss.
• Handling daily operations in accordance with organisational policies and procedures within an agreed SLA.
• Perform periodic reviews on existing merchants to ensure there is no change in their credit risk exposure.
• Assure the completeness and correctness of the client documentation as well as preparation for review and by various domestic and international credit risk committees.
• Present assessment recommendations to the relevant committees.
• Provide support and guidance as required by the Customer Due Diligence (CDD) team on credit risk, including financial analysis.
• Support the Head of Underwriting, KYC & AML in ensuring that all credit risk systems, processes and procedural level documentation is created and maintained.
• Support the Head of Underwriting, KYC & AML in ensuring that all credit risk systems, processes and procedures are continuously reviewed and optimised.
• Building the organisational awareness in terms of credit and wider risk management.
• Work collaboratively with the Sales organisation to ensure that the end-to-end onboarding process of customers is optimised, while managing credit risk within acceptable levels.

• 5+ years within the credit risk environment.
• 3+ years in payments or technology driven organisation.
• Experience in a merchant acquiring organisation.

Competencies & Knowledge
• Excellent knowledge of financial statement assessment, including ratio analysis.
• Planning and organizational skills.
• Influencing and negotiation skills.
• Communication and presentation skills.
• Commercial awareness and industry knowledge.
• Results driven and ability to work under pressure.
• Advanced knowledge of Office products, including Powerpoint and Excel.
• Multicultural and flexible mindset with the ability to multi-task and work in an international environment.
• Some knowledge of Customer Due Diligence and Fraud Risk, within a merchant acquiring context would be beneficial.

• Bachelors Degree (Commerce, Accounting, Economics, Finance, or equivalent).
• Industry Certification (AICM, etc).

More reasons to join us:

In addition to joining a global leader in digital transformation, you can also expect an excellent range of benefits. What’s more, we really value Innovation, Cooperation, Excellence and Empowerment. These values are reflected on our daily work. This is the core of our organization. At Worldline our top priority is to engage, encourage and develop you to help you improve your potential. In fact, we have comprehensive training and development programs in place demonstrating our dedication to developing your career. Our success comes from strong skills, new insights, diverse points of view and the energy of all members of the Worldline team. Worldline is proud to be an Equal Opportunity employer. We work flexibly and encourage you to talk to us about how this role can be flexible for you and any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability, let us know how we can provide you with additional support
Melbourne VIC Australia

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