Marlex needs to incorporate a Junior Credit Risk a Advanced English for a global leader in next-gen payment platforms, specializing in payments and software solutions.
Location: Valencia or Remote (Spain) Job Description: We are looking for Junior Credit Risk Analysts and with advanced English to join a dynamic team at a global payments company.
The selected candidates will be responsible for managing payment disputes, handling credit risks, and driving process improvements within the payment platform.
This is a key role to ensure security, compliance, and payment optimization in the industry.
Key Responsibilities: Credit Risk Analyst: Assess the creditworthiness of new and existing merchants by analyzing financial statements, credit reports, and other relevant business data.
Monitor the merchant portfolio and transactions to detect suspicious or abnormal processing patterns indicating increased risk or fraud.
Investigate high-risk merchants, evaluate risk exposure, and recommend mitigation strategies such as holding funds, adjusting reserve levels, or terminating accounts.
Generate risk reports and provide recommendations to management on risk mitigation.
Work closely with internal teams and stakeholders to develop effective risk management strategies.
Requirements: Education: Bachelor's degree in Finance, Economics, Accounting, or a related field.
Experience: Credit Risk Analyst: 1–3 years of experience in credit risk assessment or commercial underwriting, preferably within the payments, fintech, or financial services industries.
Advanced English proficiency: Strong verbal and written communication skills in English to work effectively in a integral environment.
Technical Skills: Proficiency in Excel and familiarity with CRM tools and other online tools (Google Apps, etc.).
Analytical Skills: Ability to analyze financial statements and assess business risks.
Attention to Detail: Highly organized, with an emphasis on accuracy and process optimization.
Problem-Solving Skills: A proactive approach to identifying issues and implementing effective solutions.
Industry Knowledge: Understanding of payment systems, credit card processing, and risk management is highly desirable.
Preferred Skills: Knowledge of additional languages, especially Chinese, is a plus.
Experience with financial and statistical analysis tools.
Familiarity with the payments industry, fraud detection, or merchant acquiring.
What We Offer: A dynamic and fast-paced environment where you'll contribute to key decision-making processes.
Flexible working conditions, with the option to work remotely or from our office in Valencia.
6-month contract with the possibility of renewal based on performance and business needs.
If you are a proactive, detail-oriented professional with a passion for risk management and dispute resolution, we invite you to apply and take the next step in your career with us!