GoCardless are here to support you and we’re committed to making the hiring process inclusive and accessible for everyone. If you need extra support or any adjustments made, please reach out to your Talent Partner.

Remember, we don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply.

  About us

At GoCardless we believe bank payments are the best way to pay and get paid. We also believe that bank account data is a powerful tool to make better, faster decisions. We’re making it easy to use both- for businesses everywhere.  

GoCardless is used for domestic and international payments by 85,000+ organisations and counting, processing more than $30 billion across 30 countries. We are headquartered in the UK, with additional offices in Australia, France, Latvia and the United States.

The role

You will ensure that GoCardless implements effective credit controls to manage credit losses while supporting revenue growth.

As a Credit Risk Analyst, your key responsibilities will include assessing the credit risk of our merchants, evaluating their creditworthiness, conducting risk assessments, and creating strategies to reduce potential credit losses.

You should be able to communicate clearly with various stakeholders, including sales, risk, product teams, and executives. You will represent the credit risk team and explain credit risk decisions and their reasoning to different functions.

What excites you

• Understanding new and existing business models with meticulous attention to detail.
• Conducting in depth analysis and looking beyond the numbers when assessing creditworthiness for SMEs and Large corporates.
• Staying ahead of key market trends and being able to clearly translate this into an impact on GoCardless.
• Thinking outside the box to develop and create mitigation strategies to manage financial exposure.
• Not accepting the status quo in favour of improving and optimising operational efficiency.
• Communicating complexities in a simple concise form no matter who the audience is.

What excites us 

• Over 4 years of experience analysing financial statements for SMEs and large corporations for credit risk decisions, including financial ratio calculations.
• 4+ years in risk management and financial analysis in the travel industry.
• Excellent communicator and collaborator, able to influence stakeholders, including CXOs.
• Skilled at prioritising tasks to meet tight deadlines with solid attention to detail skills.
• Innovative thinker who challenges traditional approaches and promotes new ideas.
• A degree in a relevant field such as Finance, Accounting, or Business.
• Fluent in English; knowledge of French, German, or Spanish is a plus.

(some of) The good stuff

• Wellbeing - stay healthy with dedicated support and medical cover
• Work away scheme - you can apply to work away from your country of residence for up to 90 days in any 12 month period (in accordance with our work away policy)
• Adaptive Working - Our hybrid workplace model fosters collaboration and flexibility, with in-office days determined at team level
• Equity -all permanently employed GeeCees receive equity so we can share in the success we achieve together
• Parental leave -to suit everyone embarking on life's great adventure
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless  

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

Diversity & Inclusion

We’re building the bank payment network of the future and our ambition is to move money anywhere, for anything, for anyone. If we’re going to achieve this goal, we need to build a team of ‘GeeCees’ that is as wonderfully diverse as the world we live in - with a multitude of perspectives, experiences & backgrounds.

We’ve got a long way to go, but here’s how we’re doing as of July 2024;

45% identify as women

23% identify as Black, Asian, Mixed or Other

10% identify as LGBTQIA+

9% identify as neurodiverse

2% identify as disabled

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

Sustainability 

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. In 2021 we became co-founders of the Tech Zero coalition, a group of businesses committed to taking climate action as part of the UNFCCC Race to Zero. We aim to reduce our impact and to create positive change on the natural world. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.