Credit Risk Analyst - PayPal

• *All interviews will be conducted remotely (online or by phone).

Pontica Solutions is an award-winning outsourcing company that specializes in delivering innovative customer experience (CX) solutions to our global clients in diverse industries such as High-Tech, FinTech, Healthcare, Games and Entertainment, E-commerce, Renewable Energy and Utilities, Logistics, and more.

Committed to excellence and continuous improvement, we transform our talent into high-quality experts, providing opportunities for learning and development, vertical and horizontal growth.

Join a global leader in digital payments and e-wallet solutions, trusted by millions of users worldwide. Our client is at the forefront of financial technology, shaping the future of secure and convenient online transactions.

What you will do in this role:

• Input, analyze, and interpret financial statements to assess the financial health of merchants (high risk industries).
• Review merchant and industry business models, credit reports, merchant processing history, background checks, and reference data.
• Conduct thorough merchant assessments, covering regulatory compliance (Federal & State), credit card rules, and legal considerations.
• Estimate financial exposures and determine appropriate risk mitigation strategies in line with internal policies.
• Communicate risk insights and recommendations clearly with internal stakeholders.
• Maintain detailed and accurate documentation of assessments, findings, and methodologies.

What skills are needed:

• Bachelor’s degree (or equivalent experience) in finance, economics, law, or a related field.
• 1+ years of experience in credit risk assessment, financial analysis or underwriting.
• Merchant onboarding or ongoing due diligence experience would be considered as an advantage.
• Solid understanding of KYB, CIP, AML, and regulatory compliance across jurisdictions; able to assess and escalate potential financial crime risks.
• Collaborative team player with excellent interpersonal and communication skills.
• Fluent in English.
• Proficient in MS Office, Salesforce, internet research, and database tools; SQL knowledge is beneficial but not mandatory.

What we offer:

• An attractive remuneration. Referral bonuses.
• Standard working week: Monday-Friday.
• 20 days of paid leave per year + 2 days off for volunteering.
• Full training provided.
• Additional health insurance and other social benefits. Exclusive discounts & offers.
• Digital food vouchers.
• Open-minded management team promoting innovation, and personal and professional development.
• Permanent employment; full-time.