Credit Manager

About the role

We're looking for a Credit Manager to join our Risk / Credit team and help shape the future of global commerce. You will evaluate credit applications and merchant portfolios, structure and negotiate deal terms, conduct portfolio reviews and risk assessments, prepare detailed credit analyses, and partner with cross-functional teams to align on credit strategy.

Key responsibilities

• Evaluate credit applications and merchant portfolios by analyzing financial data, credit reports, and risk indicators to make informed approval, decline, or conditional decisions
• Structure and negotiate deal terms (e.g., reserves, collateral, guarantees) to mitigate risk exposure while supporting business growth
• Conduct portfolio reviews, due diligence, and risk assessments to ensure adherence to credit policies, regulatory requirements, and quality standards
• Prepare detailed credit analyses and executive credit memos, presenting recommendations and insights to senior management
• Partner with sales, legal, compliance, and external stakeholders to align on credit strategy, resolve issues, and support business initiatives

About you

• Bachelor's degree in Finance, Accounting, Statistics, or Business with strong analytical foundation
• Minimum 3+ years of experience in finance, accounting, or credit risk, including 2+ years as a Credit Analyst
• Strong expertise in credit risk assessment, financial statement analysis, and portfolio management
• Proven ability to evaluate complex deals and make sound risk-based decisions in a fast-paced environment
• Excellent communication skills with the ability to clearly articulate and defend credit decisions to internal and external stakeholders
• Experience in payments, merchant acquiring, or fintech industry is a bonus
• Familiarity with KYC processes, regulatory frameworks, and card scheme rules is a bonus
• Exposure to risk tools, legal filings systems, and third-party credit assessment platforms is a bonus
• Experience mentoring junior analysts or leading small teams/projects is a bonus

About the team

Our inclusive and global teams win together every day. We’re proud to have the best minds in the industry—people you can learn from as you grow your career. The energy, the connections, the opportunities—it’s unmatched. Come be part of an ever-evolving company where you can go beyond borders.

What makes a Globalpayer?

Globalpayers think like a client, act like an owner and win as one team. We’re curious and innovative—always finding better ways to deliver impact. We empower each other to make decisions, and it’s our passion that drives excellence in everything we set out to do.

Does this sound like you? Then you sound like a Globalpayer. Apply now to take your career global.