Principal, Merchant Credit Risk

Global Payments Inc. • Cincinnati, OH

7d

About The Position

The Principal, Merchant Credit Risk is a trusted risk expert on Global Payments’ Credit Risk Team. The role supports sustainable business growth while balancing opportunity and risk across complex merchant relationships and transactions. Decisions influence portfolio quality, business growth, and client success through evaluation of sophisticated credit scenarios, risk-based deal structuring, and improvement of the organization’s risk framework. As a subject matter expert, the Principal guides strategy and mentors others while helping maintain secure, innovative payment solutions.

Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or a related field.
• Strong analytical and financial acumen.
• Significant experience in credit analysis, risk assessment, or financial underwriting, including success evaluating complex business and merchant relationships.
• Ability to make independent, data-driven decisions that balance risk management objectives with business growth opportunities.
• Strong communication and influencing skills, including experience explaining complex credit recommendations and negotiating risk-based business terms with diverse stakeholders.
• Ability to navigate ambiguity, exercise sound judgment, and deliver high-quality outcomes on complex, high-impact decisions.

Nice To Haves

• Experience conducting due diligence for portfolio acquisitions, conversions, or large-scale merchant onboarding initiatives.
• Experience mentoring, coaching, or developing less experienced analysts and serving as a subject matter expert across teams.
• Experience contributing to credit policy development, risk framework enhancements, or process improvements that strengthen business performance and risk management outcomes.

Responsibilities

• Make sound credit decisions that enable sustainable business growth while protecting the organization from financial, operational, and reputational risk across complex merchant opportunities.
• Identify, quantify, and mitigate exposure to maintain a high-quality portfolio that supports long-term client and business success.
• Influence strategic business decisions through credit recommendations, risk insights, and deal structuring that balance commercial objectives with responsible risk management.
• Strengthen credit policies, frameworks, and practices to improve consistency, compliance, and decision quality.
• Mentor analysts, share expertise, and promote continuous learning, accountability, and high-performance decision-making.

What This Job Offers

• Job Type: Full-time
• Career Level: Principal