Finance Dublin, Ireland

Credit Manager

Company Intro

Booking Holdings (NASDAQ: BKNG) is the world leader in online travel and related services, provided to customers and partners in over 220 countries and territories through six primary consumer-facing brands – Booking.com, KAYAK, priceline, agoda.com, Rentalcars.com, and OpenTable. The mission of Booking Holdings is to make it easier for everyone to experience the world. During 2019, the Company had consolidated revenues and net income of $15.1 billion and $4.9 billion, respectively, and a current market value of approximately $60 billion.

Booking Holdings Financial Services (hereinafter “BHFS”) is based in Dublin, Ireland and provides financial services in the form of payment services and e-money products across all the brands. BHFS is committed to conducting its business in compliance with applicable laws, regulations and guidelines, with integrity and to the highest ethical standards.

Job Overview

The role of Credit Manager for BHFS includes overseeing the granting of credit and assessment of all contingent liability exposure of all customers within the group’s responsibility. This includes calculation of credit exposures for new customers in the boarding process, and annual review and periodic review of all customers with continual review and updating of the credit exposure. The role includes strict enforcement of the credit policy, and protecting the company’s assets from risk of loss due to credit risk, chargeback exposure, and fraud risk, and assessing the need for collateral. It also includes managing a team of analysts and specialists and forecasting credit loss. This role will be remote in Ireland until the office opens in Dublin.

Responsibilities and Duties

  • Perform financial analysis based on financial statements and forecasts.

  • Assess business models in the context of due diligence and compliance with the guidelines of the NCA and payment institutions.

  • Oversee and manage a team of Risk Analysts and the key Risk Management functions of the team, including underwriting, transaction monitoring, chargebacks and annual periodic reviews.

  • Assess and interpret Credit Bureau Reports.

  • Evaluate & manage collateral and reserve accounts.

  • Manage communication with sales channels and partners regarding new applications.

  • Proactively monitor the Customer Portfolio.

  • Verify adherence to compliance requirements and credit guidelines.

  • Complete monthly reporting.

  • Review credit of the portfolio periodically.

  • Answer and resolve risk management and compliance inquiries.

  • Train partners and customers on risk management processes.

  • Calculate reserves/collaterals based on credit exposure.

  • Manage Credit Policy in line with corporate requirements.

Qualifications:

  • Third level degree.
  • 3-5 year's experience in the payments or online travel industry or in the underwriting/ risk management of online ecommerce business in the European market.
  • Ability to effectively communicate in written and verbal form across functional groups within the company, with Customers, Partners, the Card Schemes, as well as Senior Management.
  • Knowledge of the KYC (Know Your Customer)/ AML (Anti Money Laundering) requirements.
  • Affinity for technically driven processes.
  • Excellent computer literacy – especially Microsoft Excel.

About BKNG 

Booking Holdings is the world leader in online travel & related services. Our teams work around the clock to build and improve the technology that empowers people to more freely travel across borders, time zones, languages and cultures. At Booking Holdings, we make it easier for everyone to experience the world every day through seamless technology powered by our six major brands: 

  • Booking.com

  • KAYAK

  • priceline

  • agoda

  • Rentalcars.com

  • OpenTable

Through the Booking Holdings brands, we help our customers reach all corners of the earth. Our ability to provide great service rests on how well we understand our diverse customer base, which is why having a diverse team is so important to us. We bring together employees from all walks of life and we are proud to provide the kind of inclusive environment that stimulates innovation, creativity and collaboration.

EEO Statement:

Booking Holdings is an equal opportunity employer in accordance with all applicable federal, state and local laws. We ensure equal employment opportunity to all employees and applicants without discrimination or harassment based on race, religious creed, color, age, sex, sexual orientation, gender identity, national origin, religion, marital status, medical condition, disability, military service, pregnancy, childbirth and related medical conditions, or any other classification protected by federal, state, or local law.

Booking Holdings also extends this policy to every phase of the employment process including, but not limited to, recruitment, selection, placement, transfer, training and development, position elimination, restructure, promotion, compensation, benefits, layoffs, termination, and all other conditions or privileges of employment. Booking Holdings and its Affiliated Companies are Equal Employment Opportunity employers and welcome all job seekers including individuals with disabilities and veterans with disabilities. If you have a disability and believe you need reasonable accommodation in order to search for a job opening or apply for a position, please email reasonableaccommodation@bookingholdings.com with your request. M/F/V/D/SO  

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