🚀 Be part of a movement to change the way Europe pays

In today’s digital world, payments often still feel outdated: random delays and confusing rules make it harder than it should be to pay and get paid. The European Payments Initiative (EPI) is here to change all that, forever.

With Wero, our digital wallet, we make sending and receiving money simple, seamless and secure across France, Belgium and Germany, with more countries and omnichannel solutions coming soon. Supported by 14 major banks and the two largest European acquirers, EPI is building a new, proudly European payment system: easy, instant and transparent, all for the greater good.

🔎 What's in it for you

You are working in a credit rating agency but would like to join a more dynamic and smaller structure? leave your highly hierarchical organisation and have a bigger impact? You want to be a pioneer of a truly innovative payment project? Then this job might be for you.

💥 Your impact

Reporting directly to the Chief Scheme Officer (Member of the Senior Executive Management of the company), you will: 

• Build a quantitative model to assess the credit risk of the Institutions which compose the EPI Scheme membership and assign them ratings (to be updated on a regular basis). Note that all of them have licenses as Payment Service Providers (PSPs) - some of them are Financial Institutions, whereas others are other types of PSPs, including Payment Institutions and Electronic Money Institutions.
• Understand and identify key factors that may affect the credit ratings of the EPI members.
• Monitor the credit quality of the EPI Scheme members (or to be members) and the industry trends by following market developments and relevant news, and by engaging directly with the members for information and clarification.
• Design, implement and manage the internal process and organization in charge of the creation and monitoring of the credit risk of the EPI members.
• Supervise, monitor, and adapt the performance of the quantitative model, depending on the evolution of the members of the EPI Scheme.
• Attend the EPI committee meetings in which your presence will be required.
• Actively manage the workload pipeline to provide sufficient time for completion.
• Ensure compliance with applicable laws, regulations, policies, and procedures
• Ensure high quality and error-free work.
  

🕵🏻‍♀️ To succeed, you should meet at least 70% of these requirements

• At least 10 years' experience rating Financial Institutions (for example in well-known credit rating agencies).
• Strong financial risk analysis background.
• Experience in developing and exploiting quantitative credit rating models.
• Fluency in English is essential. In addition, knowledge of French, German, or Dutch is a plus.
• Bachelor´s degree in a quantitative field (holding a specialized master’s degree is a plus).
• Experience in payments is a plus.
• Drive, diplomatic skills, and ability to build consensus/alignment among multiple stakeholders (including external constituencies).
• Strong organization skills, analytical thinking, and attention to detail.
• Excellent verbal, written communication, and interpersonal skills.
• Proactive and able to work effectively in a collaborative international remote team environment.
• Ability to adapt to a changing environment and prioritize tasks accordingly.
  

🐝 About the team

You will report to Carmen, the EPI Chief Scheme Officer, who has an impressive international career of over 20 years in payments. Her team is made of strong experts in Scheme Rules, Certification & Approval and Fraud management spread in European Union. You will meet some of them in the recruitment process.

🪜 If this looks like you, the recruitment steps are:

1. A first call with one of our recruiters
2. An interview focused on the mission and your expertise
3. An interview focused on our company skills
4. Hopefully, an offer you can’t refuse
   
   

⛔ Turn back if …

• You’re looking for an already highly structured environment with no ambiguity.
• You’re expecting to be promoted 6 months after your arrival.

Otherwise apply!

🫶 Our commitment to equal employment opportunities

EPI offers the same job opportunities to all, without distinction of gender, ethnicity, religion, sexual orientation, social status, disability or age. EPI promotes the development of an inclusive work environment that mirrors the diversity of the clients our product is serving.