Transaction Banking, Credit Risk Management, Analyst

Overview

TRANSACTION BANKING (TxB)
We aim to build a modern and digital‑first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150‑year‑old firm with the agility and entrepreneurial spirit of a tech start‑up. Our goal is to provide a best‑in‑class digital product that helps clients succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms.

We are seeking a motivated and detail‑oriented Analyst to join the TxB Credit Risk team, as part of the broader TxB global first line of defense risk team. This role will focus on activities related to the extension of payment settlement lines to TxB clients, supporting the client’s overall payment and liquidity management activities. The ideal candidate will possess a foundational understanding of credit risk principles and a strong interest in leveraging technology to enhance risk management processes.

• Assist in the review of credit line requests, evaluating credit worthiness of clients and calibrating appropriate line size in alignment with risk appetite.
• Assist in timely monitoring, reporting and escalation of intraday exposures and any potential overnight overdrafts or breaches.
• Prepare and distribute periodic and ad‑hoc reports on intraday credit exposures, limit utilisation, and potential risk events.
• Analyze transaction data and credit metrics to identify trends and anomalies that may indicate heightened credit risk.
• Assist in the development and maintenance of credit risk policies, procedures, and documentation.
• Partner with client coverage, operations and technology teams to troubleshoot data issues, streamline reporting processes and optimise risk management tools for enhanced performance.
• Contribute to the evaluation, development and implementation of new digital solutions and tools to streamline workflows and improve the overall efficiency of risk management processes.

• Bachelor’s degree in finance, economics or a related quantitative field.
• 1–3 years of experience in a credit risk or related role, preferably within transaction banking or payments.
• Basic understanding of credit risk principles, including exposure measurement, limit management and risk mitigation techniques.
• Familiarity with transaction banking products and services, such as payments and cash management.
• Strong analytical and problem‑solving skills, with the ability to interpret data and identify trends.
• Proficiency in Microsoft Excel and other data analysis tools.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross‑functional teams.

• Credit Risk Analysis
• Data Analysis
• Reporting
• Transaction Banking
• Regulatory Compliance
• Communication
• Problem Solving
• Microsoft Office – Excel and Power Point

Entry level

Full‑time

Finance and Sales