Credit Risk and Ongoing Due Diligence Analyst with German (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.

Key responsibilities:

• Input, analyze and interpret financial statements, developing a view of the merchants’ financial health.
• Analyze and interpret merchant & industry business models, credit reports, merchant processing history, background investigations, bank and trade references, etc.
• Conduct merchant assessments, Federal and State Regulatory Compliance, Credit Card Compliance and Legal Considerations.
• Estimate financial exposures, using reasonable assumptions, and assess the need for and extent of risk mitigation measures in accordance with policies and procedures.
• Communicate professionally and effectively with cross-functional stakeholders on info request, risk insights and recommendations throughout.
• Maintain accurate and thorough documentation and audit trails of underwriting assessments, reports, methodologies, etc. in a timely manner.

Hiring Requirements:

• Bachelor’s degree in finance, Accounting or equivalent work experience is preferred.
• Have 1 to 3+ years of relevant experience in KYB, merchant underwriting, commercial lending and/or equivalent experience.
• Be experienced in financial statement analysis, financial modelling and/or valuation.
• Be a team player, with strong interpersonal & communication skills.
• Be familiar with MS Office, Salesforce, internet research & database tools. SQL is a plus, but not essential.
• Fluency in English and German - level B2

Why Pontica Solutions?

• An attractive remuneration + annual appraisal review. Referral bonuses.
• Standard working hours 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.