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Senior Credit & Settlement Risk Analyst

Company Description

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Job Description

Following a number of years of global economic uncertainty and flux, it is more important than ever that Visa Europe manages its Credit and Settlement Risk CSR effectively. As a result, the Visa Europe CSR team, who straddle both first and second line of defence, are hiring a CSR Senior Analyst to holistically manage credit and settlement risk for both existing and new clients, and collateral management, for Visa Europe. 

A fundamental function of the role will be the ability to manage a portfolio of clients, c150, and navigate difficult conversations with both internal and external stakeholders, all whilst ensuring adherence to the Global CSR framework and procedures. Internal stakeholder management will require maintaining a strong relationship and partnering with the European Account Executives, alongside the other regional CSR teams, whilst externally we are a client facing department. This role requires you to have at least some experience of credit and financial analysis for corporates and or financial institutions. However, stakeholder management is just as fundamental to this role as the credit work, and therefore candidates who are not as well versed in financial analysis will be considered if the basics are in place. You will need to use a variety of Visa systems, and proactively interpret and apply your expertise to mitigating risk while striking the appropriate risk versus reward balance. 

What we expect of you, day to day

  • Strong stakeholder management, both internally and externally, involving delivering clear and concise messaging around credit risk rating decisions and large collateral requirements. A personable candidate with strong verbal and written communication is essential.
  • This will include client engagement around new applications alongside the existing portfolio, helping to find innovative collateral solutions for some of our newer, smaller partners.
  • Accountable in managing the credit and settlement risk for a portfolio of clients based in Europe.
  • Ensuring that all clients have up to date annual credit ratings which are reviewed proactively where pertinent new information becomes available, such as external rating downgrades, mergers, financial difficulties, industry or country issues, and so on.
  • Portfolio management including watch lists, country credit ratings, client and industry monitoring, and deep dive analysis where required.
  • Collateral management and controls.
  • Ensuring clients, as set out in the Global CSR framework and controls, have appropriate collateral in place to mitigate any potential losses.
  • Ensuring any waivers relating to collateral requirements are managed and in place to support business growth, whilst also working with the relevant business Account Executives and collateral waiver clients to seek an eventual exit strategy.
  • Releasing collateral to clients as required.
  • Managing the control environment in line with risk appetite and conditions for specific clients.
  • Ensuring all collateral documentation is in place working closely with the CSR Managers and Legal.
  • Adhering to CSR Frameworks, procedures, policy standards, and controls.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

  • A highly personable candidate with experience in working with various stakeholders and managing difficult conversations.
  • Relationship management experience would be ideal but not essential.
  • Experience as a credit underwriter or analyst working in a financial or payments institution.
  • Excellent problem-solving abilities, including spotting patterns and trends that may be concerning in the future and proactively flagging in advance.
  • A sound understanding of a credit framework and controls environment, including the application of the framework in a financial or payments institution.
  • Strong time management and prioritization skills.
  • Knowledge and understanding of risk management practices in financial services.
  • Knowledge of the UK and wider-European payments and or financial services industry and the major trends affecting key stakeholders. Regulatory, political and market, payment products and services, economic and competitive landscape and technology.

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Average salary estimate

$80000 / YEARLY (est.)
min
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$70000K
$90000K

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What You Should Know About Senior Credit & Settlement Risk Analyst, Visa

Are you a skilled professional with a knack for managing credit and settlement risks? Join Visa as a Senior Credit & Settlement Risk Analyst in London, where you’ll be at the forefront of shaping the financial landscape while working with a team that's passionate about driving positive change. In this role, you will manage a portfolio of around 150 clients, navigating nuanced conversations with both internal and external stakeholders. You’ll play a pivotal role in maintaining strong working relationships with European Account Executives, all while ensuring adherence to Visa’s Global Credit and Settlement Risk framework. This isn’t just about crunching numbers; it’s about proactive engagement with clients and innovative problem-solving. You’ll conduct credit analysis, monitor industry trends, and make strategic recommendations to mitigate risk without losing sight of potential opportunities. With your organizational skills and ability to prioritize, you'll keep your finger on the pulse of client accounts, ensuring each one has up-to-date annual credit ratings and appropriate collateral in place. The hybrid work model at Visa allows for flexibility while committing to a supportive, team-focused environment. If you have experience in stakeholder management, some familiarity with credit analysis, and are eager to grow within a leading global payment technology company, we’d love to have you join our purpose-driven team at Visa!

Frequently Asked Questions (FAQs) for Senior Credit & Settlement Risk Analyst Role at Visa
What are the responsibilities of a Senior Credit & Settlement Risk Analyst at Visa?

As a Senior Credit & Settlement Risk Analyst at Visa, your key responsibilities include managing a portfolio of approximately 150 clients, engaging in both internal and external stakeholder management, conducting credit analysis, and ensuring adherence to the Global CSR framework. You'll also be responsible for collateral management, monitoring credit ratings, and proactively managing potential risks while supporting business growth.

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What qualifications do I need to become a Senior Credit & Settlement Risk Analyst at Visa?

To be considered for the Senior Credit & Settlement Risk Analyst position at Visa, you should have experience in credit underwriting or financial analysis within financial or payment institutions. Strong stakeholder management skills and the ability to navigate challenging conversations are crucial. A sound understanding of credit frameworks, risk management practices, and knowledge of the payments industry will also set you apart.

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How does Visa ensure effective collateral management for its clients?

Visa ensures effective collateral management by adhering to its Global CSR framework, regularly reviewing credit ratings for clients, and maintaining strong communication with Account Executives. The Senior Credit & Settlement Risk Analyst plays a vital role in determining appropriate collateral levels, managing waivers, and releasing collateral as necessary to foster business growth.

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What skills are essential for success as a Senior Credit & Settlement Risk Analyst at Visa?

Success in this role requires excellent problem-solving abilities, strong communication skills, and the capacity to build and manage relationships with diverse stakeholders. Furthermore, a keen understanding of credit analysis, risk management, and trends in the financial services industry are crucial for making informed decisions that align with both risk mitigation and business objectives.

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What kind of work environment can I expect as a Senior Credit & Settlement Risk Analyst at Visa?

As a Senior Credit & Settlement Risk Analyst at Visa, you can expect a collaborative and dynamic work environment. The role is hybrid, allowing for a balance between in-office teamwork and remote flexibility. You'll be part of a passionate team dedicated to innovative solutions in the payments sector, where you’ll have the opportunity to make a real impact on the business and client relationships.

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Common Interview Questions for Senior Credit & Settlement Risk Analyst
Can you describe your experience in stakeholder management as a Senior Credit & Settlement Risk Analyst?

When answering this question, emphasize your ability to build strong relationships and communicate effectively with various stakeholders. Share specific examples of challenging conversations you've navigated and how those experiences helped you achieve desired outcomes.

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What processes do you follow for conducting credit analysis?

In your response, outline the steps you take for credit analysis, such as gathering financial statements, evaluating creditworthiness, and making calculated recommendations. Highlight your analytical skills and any relevant tools or methodologies you use.

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How do you ensure compliance with the Global CSR framework?

Discuss your approach to understanding and applying the CSR framework in your daily tasks. Explain how you stay updated on changes in policies and procedures and the importance of effective collaboration with team members to maintain compliance.

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Describe a situation where you had to manage difficult conversations around credit ratings.

Share a specific example and the approach you took to address the situation. Highlight your communication skills, empathy, and how you focused on finding solutions rather than dwelling on the challenges.

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What do you consider key indicators of credit risk?

List important indicators such as financial stability, industry trends, economic conditions, and client history. Be prepared to explain why these factors are critical in assessing overall credit risk.

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How do you prioritize tasks when managing a large client portfolio?

Discuss your time management strategies and any tools you use to keep track of tasks and deadlines. Explain how you assess risks and prioritize high-impact tasks that need immediate attention.

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Can you provide an example of how you've innovated in managing collateral?

Share a specific example where your approach to collateral management led to positive results for both Visa and its clients. Highlight your creativity and problem-solving skills.

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How do you keep informed about changes in the payments industry?

Mention your commitment to continuous learning through industry publications, webinars, conferences, and networking with peers. Emphasize the importance of staying current to anticipate challenges and opportunities.

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Describe your understanding of risk management in the financial services sector.

Provide a well-rounded explanation of risk management concepts, including their importance in decision-making processes. Discuss various risk types and mitigation strategies that you are familiar with.

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What motivates you to work in credit and settlement risk analysis?

Reflect on your passion for financial analysis, stakeholder engagement, and the impact you can make in mitigating risks and supporting client growth. Your enthusiasm can set you apart from other candidates.

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Visa Inc. operates as a payments technology company worldwide. The company facilitates commerce through the transfer of value and information among consumers, merchants, financial institutions, businesses, strategic partners, and government entiti...

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Full-time, hybrid
DATE POSTED
April 2, 2025

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