(Senior) Merchant Credit Risk Analyst (m/f/d)
ABOUT US
Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.
At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 750 experts from 70 different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience.
Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference.
Our offices: We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.
ABOUT THE TEAM
Our team is based in Vienna, AT. With oversight responsibility of all Unzer Group Entities. The purpose of our team is to monitor and measure our merchant’s Probability & Exposure at Default. For this role in particular, the mission statement is to execute and support the Planning of the MCR Monitoring Framework & onboarding Responsibilities. Maintain oversight over the Exposure and Probability of Default of the relevant merchant portfolio. In doing so, you help align policies and decision rules to our risk appetite, identify low-risk growth opportunities, and support disciplined, scalable performance for the business within a collaborative, learning-focused team and have the merchant first approach always at out forefront of responsibilities.
What your work will look like:
- Execution of merchant onboarding tasks related to the estimation of MCR for all relevant payment methods in all onboarding flows of the Unzer Group
- Documentation and internal follow up when required of merchant reviews, including internal and external data gathering, update of merchant profiles in 3rd party dashboards and documentation of financial statement analysis
- Management of the MCR Alert Handling procedures, including the documentation & follow up to closure of all alerts
- Total Execution Insolvency handling procedures: Documentation and follow up with stakeholders
- Maintenance of Exposure and Probability of Default (EAD & PD) models. Update of EAD variables per merchant
What you need to be successful in this role:
- In depth, detailed knowledge of MS Excel & any BI Tool (Tableau, Power BI, Metadata). Solid knowledge of the rest of the Office Suite
- Ability to communicate clearly, concisely and openly in English. German to a C1 Level is ideal but secondary
- Expertise with Financial Statements Analysis, key rations & overall financial/economic indicators for companies & industries
- Detailed Knowledge of Risk Management, payment industry or banking
What's next?
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Does it sound exciting? - Apply with your CV in English. Please don’t shy away if you don’t meet all the requirements! We’re looking forward to meeting you.
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We will get back to you within 14 days of receiving your application.
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The interview process includes: a 30min intro call with a TA Partner, 30min conversation with your potential manager and a call with the team and manager (up to 90min). Please note the process might alter depending on our team’s availability.
🏡 Work from home up to 60% of the time. We want you to keep your work-life balance.
🚲 Mobility support - we've got you covered.
🫴 Explore counselling assistance, be it for professional or personal matters, through our associated platform.
💰 Pension scheme, we want to give back and help you secure your future.
🏖️ 15 days a year of workation from your desired destination within the EU.
🕟 Flexible working hours – you get to choose the schedule that works best for you!
📗 Learning budget of 1000 euros per year – you can develop your passions with us.
🎉 Enjoy some fun moments with your coworkers – we throw a company party once a year and host several team events!
*Unzer is an equal employment opportunities workplace, and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application.
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