Are you ready to make impactful credit decisions in a dynamic environment? Join our team as an Intraday Payments Credit Risk Officer - Associate and play a crucial role in managing real-time credit decisions. This is your opportunity to work in a fast-paced setting, leveraging your expertise to achieve strategic outcomes and ensure sound risk management. Be part of a team that values innovation and collaboration, and make a significant impact on our global operations.

As an Associate in the Commercial & Investment Bank (CIB) Wholesale Credit Risk Intraday Payments team, you will monitor and conduct real-time credit decisions for intraday payments. You will use your credit acumen to assess client credit characteristics, business portfolios, and payment complexities. Your role involves executing risk management decisions within credit authority levels and serving as a Subject Matter Expert on payment products and systems.

Job responsibilities

Monitor and build up to real-time credit decisions (Approval/Rejection/Escalation) for intraday payments Review and approve overnight overdrafts using credit authority within the firm's framework Work with Credit Officers and the Business to address business disruptions and implement solutions Learn client behaviors to identify abnormal activity and prepare for market events Participate in crisis management and risk mitigation actions, including Rapid Exposure Drills (RED) Develop strong relationships with Sales, Client Service, Operations, and Risk partners Collaborate with senior team leads to balance firm and client interests Serve as a Subject Matter Expert on payment products, flows, and systems Assist in developing policies and procedures to enhance governance and control Own daily deliverables and contribute to medium/long-term projects Challenge and improve risk reports and support the Payments Chief Risk Officer

Required qualifications, capabilities, and skills

Minimum of a Bachelor’s degree in Economics, Finance, Business or a related discipline  Minimum of 4 years of experience in credit risk, market risk, liquidity risk or financial risk management Ability to work autonomously in a time-sensitive environment, using data and critical thinking for real-time decisions Strong communication, organizational, and time management skills Qualitative and quantitative knowledge of credit risk management Ability to assess regulation impact on credit risk and translate into actionable deliverables Desire to understand various lines of business and develop technology platforms Proven control mindset and strong partnership skills