Join us at Finaro

Are you brilliant?

 

Finaro is reimagining the payment industry.

 

If you value friendship, learning and getting things done;
if you
consider yourself creative, enthusiastic and passionate about solving problems

 

We want to meet you!

 

About Finaro

 

Finaro is a global cross-border payment and banking solutions provider empowering international commerce through brilliantly simple payments.

 

Our passionate team, exceptional tech capabilities, product innovation, and customer-centric approach drive us to simplify complexity and create multidimensional solutions that generate growth and give our customers peace of mind.

 

We work with some of the biggest industry giants including Plus500, WOLT, Kiwi.com, Air Baltic, Payrexx, Revolut, Go2Mobile and Hero Gaming. With a growing global staff of 350 employees, main offices in Israel and Malta, and presence all across Europe, in China, Hong Kong, and North America, the future looks fantastic.

 

The future looks Finaro.

Credit Risk Analyst

Location:Malta

Description

We are looking for a Credit Risk Analyst reporting to the Risk Manager, who will provide support to the company globally. He/She will work closely with team members and management on a wide range of day-to-day issues, including but not limited to;

Responsibilities:

  • Review of new merchant applications with the objective of identifying the financial risks the company may be exposed to.
  • Working closely with the underwriting officers to get an overall view of a merchant application.
  • Ongoing reviews of merchant accounts to ensure processing is still in line with expectations ensuring Finaro are properly secured by sufficient collateral.
  • Assess merchant’s financial position through proper financial statement analysis. 
  • Setting merchant collateral to mitigate financial risk.
  • Regular liaison with various departments to understand and explain the risk exposed by new and existing merchants.
  • Preparation of regular reports for internal and external stakeholders.
  • Maintain and adjust Credit Risk Assessment in line with the Credit Risk and Risk Appetite Policy of the company.
  • Developing new monitoring structures to identify negative trends in both merchant’s and portfolio’s performance.
  • Preparation of visual monthly reports to facilitate the explanation of Risk findings.
  • Take necessary measures to minimize the credit risk exposure of the company as guided by senior management.
  • Keep abreast with the latest updates in the various card scheme rules and regulations
  • Maintaining ongoing relationships with the various stakeholders and keeping them up-to-date with any updates within the Risk framework of the company.
  • Liaise with other departments in view of making existing processes more efficient whilst constantly looking out for new and improved ways to streamline processes and workloads.
  • Any ad hoc duties as requested by management.

 

Requirements

  •      Be Degree qualified in Banking & Finance, Statistics, Economics or related discipline.
  •      Have experience within the payment industry, acquiring experience is beneficial but not necessary, and within Credit Risk.
  •      Have advanced Excel Knowledge.
  •      Ability to read, analyze, and interpret business financial statements
  •      Be excellent at communicating – Both verbal & in writing.
  •      Fluent in English.
  •      Be able to work under minimum supervision.
  •      Naturally have a flair for the intuitive and investigative nature of the role.

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