Credit Risk Manager

About Us 

Network International is the largest Financial Technology company in Middle East and Africa. Payments is our core business where we provide services in more than 50 countries – UAE, Jordan, South Africa, Egypt are some of our key markets. Apart from payments, we provide services on Data and Insights, Lending, Insurance, Risk Solutions, etc. Our core customers are businesses at every scale and segment, though recently we are growing in direct to consumer card segment as well.

Our EVP :

At Network International, we always stay ahead. . In the fast-paced world of financial services, we thrive on innovation, agility, and purposeful collaboration. We invest  first in our people, empowering you to make bold decisions, learn fast, and grow your expertise alongside industry leaders. Here, solving complex problems means more than using cutting-edge technology; it’s about creating meaningful value for our customers, together. We foster a culture where trust, accountability, and achievement go hand in hand—because success isn’t just a goal; it’s how we work, every day, as one team.

About the Role

This job role is a critical part of the Group’s ongoing commitment and responsibility for implementation of actions that manage the risk exposures of merchants and clients within the risk appetite of the Group, focusing on small and medium enterprise (SME) merchants and clients with large risk exposures. The job holder is an important point of contact to advocate merchant sales team and relationship managers to ensure that the Group remains within the agreed risk exposure and ensure adherence to the policies and procedures.

• Responsible for reviewing merchant risk exposure levels.
• Risk review and financial analysis for preparation of credit risk assessment reports.
• Review of the new and existing applications from merchants and clients in compliance with Group Credit Risk Policy.
• Perform credit risk underwriting of SME merchants and clients with large, enterprise level risk exposures, in line with Group Credit Risk Policy.
• Perform regular credit risk exposure assessments of the merchant and client portfolios as prescribed in the Group Credit Risk Policy.
• Regular monitoring of credit risk exception reports to for early detection of potential credit risk issues and loss events.
• Conduct regular monitoring of the portfolio to analyse and detect risk trends and propose changes to policies and procedures to mitigate risks.
• Own the internal stakeholder relationships with the sales team and relationship managers to resolve issues without escalation and ensure merchant and client expectations are met.
• Work collaboratively with other departments, including compliance risk and legal teams to drive effective risk reviews which balance prudent risk management with commercial awareness.
• Align policies and procedures with local regulatory requirements.
• Carry out financial statement analysis of prospective merchants and client businesses and draw conclusions about creditworthiness. 
• Work with large data sets including financial models and business management trading information. Interpret and communicate findings to senior management to drive effective decision making.  

• Bachelor’s degree in a relevant or a related subject, including but not limited to Risk Management, Finance, Accounting, Business Administration, with strong grasp of statistical tools and techniques.
• Knowledge of payment products, solutions and services.
• Strong communication and negotiation skills, as well as good presentation skills.
• Commercial and payment industry awareness / market trends.
• Minimum 3 years experience in a credit risk role in a related field such as payments acquiring, banking and financial services.
• Exposure to operations, payments, card operations, merchant acquiring operations with reasonable experience in process management, MIS and data analysis.
• Sound understanding of payment scheme (Visa, Mastercard etc.) requirements and knowledge of Card Payment Industry in the Middle East and Africa.
• Should have strong communication, negotiation, presentation and report writing skills.
• Pro-active and self-starter who can work with limited supervision.