Senior Credit Risk Analyst

Description:

Barleycorn is currently seeking a Senior Credit Risk Analyst or Manager to join their Manchester-based team, responsible for driving credit risk strategy and supporting global operations across the UK, Europe, and Asia. This role is pivotal in developing frameworks for effective onboarding, underwriting, and monitoring practices, ensuring compliance with regulatory requirements and card scheme standards in a dynamic payments environment.

The successful candidate will contribute to the formulation of robust credit strategies, perform in-depth risk analysis, and play a central role in ensuring the integrity of merchant acquiring operations. You will collaborate closely with geographically distributed teams, support data-led decision-making, and promote a culture of proactive risk management.

Key Responsibilities:

• Define and optimize credit risk strategy across multiple regional merchant portfolios

• Develop Credit Risk Policies and Non-Delivery Exposure models for onboarding and monitoring

• Implement risk frameworks for underwriting, onboarding, and ongoing review processes

• Conduct comprehensive risk assessments for both new and existing merchants

• Extract actionable insights from data to provide clear reporting and strategic input to senior stakeholders

• Manage Credit Risk Bureau alerting and take appropriate remedial actions

• Support Credit Control Management, including negative balance investigations

• Continuously enhance risk processes and frameworks to align with best practices and business needs

Experience Required:

• Strong numerical and analytical skills; ability to interpret business financials

• Experience managing credit risk bureau data and interpreting alerts

• Proficient in Excel and SQL (Python is a plus)

• Demonstrated experience in risk functions within payments/acquiring or broader financial services

• Familiarity with card scheme rules and regulatory compliance

• Capable of working with international teams across various time zones

• Strong communication, strategic planning, and problem-solving abilities

• A questioning mindset with a drive to challenge and improve existing processes