Are you ready to take on a leadership role in credit risk management and play a critical role in managing financial risk for a global company? Western Union is seeking a Manager, Risk & Credit Finance to drive credit risk management for a diverse portfolio of business partners. In this role, you will assess credit risk, monitor exposures, manage receivables, and play a key part in stakeholder reporting and decision-making to cap Western Union’s credit exposure to specific and sovereign risks.

Western Union powers your pursuit. 

Key Responsibilities: 

• Credit Risk Assessment: Assess the creditworthiness of business partners and prospects. Provide high-quality, professional credit reviews and recommend credit terms that align with Western Union’s risk appetite. 

• Collections: Execute daily collections in alignment with agent contractual remittance terms. 

• Risk Identification and Mitigation: Negotiate collateral and manage daily credit limits. 

• Risk Reporting and Analysis: Produce detailed reports with recommendations for business, finance stakeholders, and executives to proactively manage risk. 

• Stakeholder Communication: Collaborate effectively with global Business, Operations, Accounting, Fraud, Legal, Treasury, Compliance teams, agents, and third-party banks.  

Requirements: 

• +7 years of relevant experience in Finance, Credit, or Risk. 

• Bachelor’s degree in Business Administration, Finance, Economics, or Accounting. 

• Proficiency in financial statement analysis, credit scoring models, and key financial ratio understanding. 

• Advanced skills in Excel; Intermediate VBA skills. 

• Strong analytical abilities with attention to detail, root-cause identification, and complex problem-solving. 

• Effective negotiation skills for successful outcomes with stakeholders and WU agents. 

• Ability to make sound decisions under pressure, balancing risk and reward. 

• Solid prioritization skills. 

• Fluent in written and spoken English, French, and Arabic.  

We make financial services accessible to humans everywhere. Join us for what’s next.      

Western Union is positioned to become the world’s most accessible financial services company —transforming lives and communities. We’re a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.      

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people at https://careers.westernunion.com/.      
      

Benefits   

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few   
(https://careers.westernunion.com/global-benefits/). Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.   

Your Morocco specific benefits include:    

• 26 days annual leave – plus 14 public holidays.   

• Comprehensive life & medical cover – including dependents.   

• Pension plan.  

• Comprehensive corporate benefits.   

• Heavily discounted Gym Membership.   

• Luncheon Vouchers.   

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.    

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office at least three days a week.     

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.