Position Description Overview First Data is a leading provider of payment solutions for financial institutions and merchants around the world. With over 42 Billion merchant transactions annually and nearly 750 Million credit/debit cards on file, First Data powers the payments value chain in over 80 countries across the globe. We are proud of our extensive customer relationships supporting over 7,000 financial institutions and the largest merchant distribution network in the industry with over 1,200 partners servicing merchants large and small. As the worldwide leader in electronic payment services, First Data is currently seeking to recruit a high calibre, energetic individual to join our team in the UK as a Senior Credit Risk Analyst to perform all activities related to end to end Credit Risk Management life cycle with the objective of minimising Losses whilst maximising Company profitability. Job Responsibilities Analyse a variety of supplementary information and data contained in the merchant application, (e.g. financial accounts, acquirer statements, credit bureau reports, bank-references, web-site information incl. terms and conditions). Calculate potential exposure using application data and FDMS Risk calculation model. Analyse financial statements, balance sheets, etc Ensure adherence to agreed SLA's. Escalate any issue that may result in a breach of agreed Policy/SLA's. Liaise and promote/maintain good working relationships with other risk and operations teams. Liaise with merchants, sales-agents, bank relationship managers and client-bank where necessary. Develop an understanding of job content, systems and operational procedures of the other Risk teams. Produce management reporting packs (MI) as required - ensure integrity, reliability and timeliness. Identify process improvements and streamlining opportunities whilst maintaining high level of consistency with FDC standards. Maintain integrity and reliability of function-related systems. Monitor and provide data for Underwriting MIS Assist in defining and documenting the Local Business Credit Risk Policy Manual Ensure that processes and procedures adhere to local legislation (legal and compliance impacts) and Credit Risk Policies Manual. Assist in identifying and document business processes and procedures. Assist in defining and putting in place controls to verify adherence of periodic review processes to the agreed policies/SLA. Assist in managing project deliverables Assist in all activities related to MIS & Scoring Assist in collating financial / other commercial information in relation to the Periodic Review activity Operate in the capacity of a Credit Officer with signing authority delegation of up to £500,000. Assist the UK Fraud Team (where required) in managing potential fraud cases that are referred/escalated for local management assistance. This activity will require contact with local authorities, merchants, card schemes, site visits, analysis of documentation, etc. Interact with Operations Teams, Sales Teams and Bank branches for the resolution of the day to day activities Work system generated alerts (batch and online). Act in accordance to agreed internal policies. Adhere to Schemes related requirements. Identify and report any suspicious activity as per AML requirements. Analyse, recommend and implement secure and/or exit strategies for a portfolio of relationships within the Special Situations portfolio which are deemed to be at the highest risk of business failure.