FX Credit Analyst

We build tomorrow’s financial technology today to enhance our global community and connect the world through financial participation.

Starting in Central Europe in 1994 and growing to a global real-time digital and cash payments network with millions of touchpoints today, Euronet now moves money in all the ways consumers and businesses depend upon. This includes money transfers, credit / debit processing, ATMs, point-of-sale services, branded payments, currency exchange and more. With products and services in more than 200 countries and territories provided through its own brand and branded business segments, Euronet and its financial technologies and networks make participation in the global economy easier, faster and more secure for everyone.

As a Credit Analyst , you will be a member of a dynamic team, where you will have wide exposure to many different non-settlement scenarios and issues and other business departments. You will need to work closely with the credit team leader but also work autonomously.

The successful candidate will be based in our Warsaw office and contribute to the successful delivery of innovative financial solutions.

Requirements

• Monitoring trades awaiting balance and other open positions – liaising with clients on settlements and close outs.
• Performing trades when requested by client or when client is in default (principally close-outs, rollovers and top-ups)
• Dealing with any issues arising from currency conversions.
• Managing debtors – authorizing write-offs where collection is unlikely or the debt is uneconomic to pursue. Referring other cases to solicitors and liaising on recovery action.
• Carrying out credit reviews for corporate clients and setting security payment terms in line with the credit policy, escalating to adequate tiers where applicable.
• Identifying any credit policy breaches and reporting to senior management where appropriate.
• Management Reporting – reporting on open positions, company exposure, product profitability, etc.
• Financial systems – monitoring changes to the in-house systems to ensure that there is no negative impact on existing functions. Reviewing processes and systems to improve efficiency
• Chase Dealing desks and / or call clients who are required to make settlements or place deposits with the business.
• Set security payment terms for clients.
• Escalate credit sign offs to upper tiers if outside authority limits.
• Monitor clients who have special security payment terms for call levels.
• Evaluate when to chase clients for variation security payments.
• Contact clients regarding late settlement or those who have requested to close out and explain the process and their options.
• Make decisions to write off debtor balances where collection is unlikely in line with policy and refer debtor cases to Collection Agencies, including managing preparation for court cases.
• Prepare and distribute the necessary MI.
• Deal with issues arising from currency conversions and correspond with the client and their bank if required.
• Speak to Dealers regarding any credit policy breaches and make sure they produce an incident report. Follow up with Senior Management if required.

GENERAL REQUIREMENTS :

Benefits