Credit Underwriter II

About the role

You'll join a collaborative team where your ideas, judgment and analytical skills make a real difference. Working alongside experienced underwriting and risk professionals, you'll continue to grow your expertise while contributing to an ever evolving business that's shaping the future of commerce across the globe. In this role, you'll own credit decisions that balance opportunity with risk, influence portfolio quality through thoughtful analysis and drive outcomes that protect both our clients and our business. Your work will strengthen trust, support sustainable growth and help shape the future of commerce. Our perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. A competitive salary and benefits package that recognizes your contribution Opportunities to grow your skills and build your career within a global business Access to learning, development and on-the-job experiences that expand your expertise A supportive, inclusive team environment where your ideas and input matter Time to give back through community and charity initiatives A global employee assistance programme to support your wellbeing Recognition through a global platform that celebrates your achievements What makes a Globalpayer? Globalpayers th

Responsibilities

• Make timely, well informed credit decisions that balance business growth with responsible risk management for new and existing merchant applications.
• Drive portfolio quality by evaluating financial information, credit data and supporting documentation to identify opportunities and potential risks.
• Influence sound underwriting decisions by applying risk based thinking, company policies and regulatory requirements with consistency and accuracy.
• Protect the business by identifying fraud indicators, assessing credit exposure and escalating higher risk applications with clear, evidence based recommendations.
• Build confidence across the business by delivering clear, accurate and well documented credit decisions that meet audit and compliance standards.
• Create positive experiences for merchants and internal partners through responsive communication, trusted expertise and timely decision making.
• Deliver strong business outcomes by managing competing priorities while consistently achieving service level agreements (SLAs) and key performance indicators (KPIs).
• Contribute to continuous improvement by sharing insights, embracing new challenges and supporting initiatives that strengthen underwriting practices and operational excellence.
• What you bring
• A Bachelor's degree in Finance, Accounting, Engineering or a related field, or equivalent professional experience in credit, underwriting, banking, finance or risk analysis.
• At least two years of experience making credit or underwriting decisions in a finance, banking or risk focused environment.
• Strong analytical skills with the ability to interpret financial statements, tax returns, credit bureau reports and other financial documentation to make informed decisions.
• Experience applying sound judgment within established policies while balancing risk, compliance and business objectives.
• Intermediate Microsoft Excel skills for data analysis, validation and reporting.
• Excellent attention to detail, with the ability to evaluate documentation accurately and maintain high quality standards.
• Strong communication and collaboration skills that enable you to build trusted relationships and explain decisions with confidence.
• It's a bonus if you have
• Experience assessing fraud risk or underwriting merchant accounts within the payments industry.
• Intermediate English proficiency that enables you to collaborate effectively across global teams.
• A track record of improving underwriting processes or contributing ideas that enhance quality, efficiency or risk management.

Benefits

Additional Information

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow. Ready to take your career global? Every payment starts with trust. As a Credit Analyst / Underwriter II at Global Payments, you'll play a key role in making smart, informed decisions that protect our business, strengthen client relationships and create opportunities for growth. Your expertise will help ensure merchants can confidently access payment solutions while maintaining a healthy and secure portfolio.

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