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Wisselwerking 58
1112XS Diemen

(Senior) Credit & Risk Analyst

Vacancy information

Work area

North Holland



Level of education








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At the moment we are looking for a:

(Senior) Credit & Risk Analyst

From22-08-2018 Locationna HoursFull-time EducationHBO/WO

Are you a Credit & Risk Professional, ready for the right next step in your career? Are you driven to minimize losses whilst maximizing profitability? Would you like to work in a fast paced, international B2B environment where you truly can make a difference? Then we have a challenging position available for you within European Merchant Services (EMS) being a successful, growing First Data & ABN AMRO FinTech company!






What this job is all about!

  • Responsible for the end to end Credit Risk Management life cycle.
  • Minimize losses whilst maximizing EMS’ profitability.
  • Focus on underwriting and reviewing financials of new and existing SME, Mid-Market and Corporate Merchants.


Getting the right things done!

  • Carry out periodic reviews of our Mid-Market and Corporate Merchants (to ensure their credit worthiness).
  • Manage the entire merchant portfolio, including strong relationship building with Merchants directly (business heads/ owners), inform stakeholders and develop a strategy for each Merchant.
  • Ensure all elements are reviewed to make a fair, non-bias, objective decision.
  • Review processing detections (our proactive internal monitoring system) and take the necessary actions, including developing existing rules and creating new rules in the system.
  • Work closely with your colleagues in the Credit and Risk department (underwriting, fraud and collections) as well as other departments, such as Compliance, Sales and Operational Teams.
  • Produce management reporting packs each month – ensure integrity, reliability and timeliness.


What we did recently!

We have successfully underwritten and boarded renowned brands in the Retail, Leisure and Travel sectors, including large airlines. Due to our reviews and controls we pride ourselves in world class monitoring and managing our merchant portfolio.


Description of a day in the life of a EMS Credit & Risk Analyst!

You started your day reviewing a large airline and you have just contacted the merchant for the latest financial update, when you receive an exciting new proposition from Sales for one of the most renowned Retail business in Europe. As the sector we operate in is highly competitive, you have been requested to start the underwriting for this new opportunity as soon as possible. In order to gain a better understanding of this new merchant, you have organized a call between yourself, the CFO of that company and the Sales person. After you have finished your assessment, you and the Credit Risk Manager will contact the Credit Risk Director in the UK for final approval.



The awesome Team!

You will be part of an experienced Credit and Risk team whose core responsibilities are in underwriting new merchants, fraud management, merchant monitoring and collections. You report first line to the Manager Credit and Risk. Our communication lines are short and direct. You will have regular dealings with Sales, Compliance and our Senior Credit and Risk team in the UK. Most of all, EMS is a growing organization in a dynamic industry where you will be exposed to a challenging environment.



We would like you to have!

  • Master degree in Business Economics;
  • Minimum of 3 years relevant experience, preferably in a financial institution (insurance, bank, PSP);
  • Knowledge of e-Commerce, platforms and online payment industry is a plus;
  • Must possess sound financial analysis and problem solving skills with a good understanding of financial concepts, reporting and consolidation tools;
  • Great adaptability to change and enthusiastic about working in an international, fast paced B2B environment;
  • Strong interpersonal, analytical and decision-making skills;
  • Excellent presentation and communication skills;
  • Positive, energetic, pro-active individual with a pragmatic, goal oriented approach;
  • Fluent in Dutch and English.


What we have!

  • Fast growing and financially healthy company;
  • Informal, professional environment;
  • International colleagues/ customers/ partners;
  • Educational and personal development opportunities;
  • Flexibility in working hours;
  • Excellent package of employment terms; including competitive salary, 13th month, incentive and pension plan;
  • Fun! A great work environment,summer and Christmas party, ski trip, Friday drinks and more…


About EMS!

EMS is a joint venture company between e-commerce & payment services leader First Data (51%) and a ABN AMRO Bank (49%). EMS has access to the best technology in the card payment industry. Our reliable infrastructure makes sure merchant payments are handled in the best possible way.

Service, reliability and flexibility are our core values so that merchants can offer their customers a host of options in order to pay the way they want. We continuously improve and expand on our Omni-channel proposition so that the merchants we serve can offer their customers a payment choice and security whether that be in-store, online or via a mobile device.


Contact information

Would you like to have more information about this vacancy? Please contact Chantal van Rijn (Talent Acquisition Manager) at 020 6 603 021 or cvanrijn@emspay.eu.

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20-09-2018 na Full-time HBO/WO
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