Are you ready to make impactful credit decisions in a dynamic environment? Join our team as an Intraday Payments Credit Risk Officer - Vice President 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 a Wholesale Credit Risk Intraday Payments Vice President 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 paymentsReview and approve overnight overdrafts using credit authority within the firm's frameworkWork with Credit Officers and the Business to address business disruptions and implement solutionsLearn client behaviors to identify abnormal activity and prepare for market eventsParticipate in crisis management and risk mitigation actions, including Rapid Exposure Drills (RED)Develop strong relationships with Sales, Client Service, Operations, and Risk partnersCollaborate with senior team leads to balance firm and client interestsServe as a Subject Matter Expert on payment products, flows, and systemsAssist in developing policies and procedures to enhance governance and controlOwn daily deliverables and contribute to medium/long-term projectsChallenge 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 disciplineSignificant experience in credit risk, market risk, liquidity risk or financial risk managementStrong understanding of Payments productsAbility to work autonomously in a time-sensitive environment, using data and critical thinking for real-time decisionsStrong communication, organizational, and time management skillsQualitative and quantitative knowledge of credit risk managementAbility to assess regulation impact on credit risk and translate into actionable deliverablesDesire to understand various lines of business and develop technology platformsProven control mindset and strong partnership skills

Preferred Qualifications, Capabilities, and Skills

Experience in developing technology platformsFamiliarity with global payment systems and regulationsAdvanced analytical skills and proficiency in data analysis toolsExperience in crisis management and risk mitigationAbility to collaborate effectively across diverse teamsStrong leadership skills and experience in project managementKnowledge of financial markets and economic trends