At Blackhawk Network (BHN), we’re shaping the future of branded payments - powering reward, incentive, and loyalty solutions across 28 countries and 400,000+ consumer touchpoints. From digital gift cards and eGifts to global employee rewards and customer acquisition tools, our platforms deliver meaningful value to clients and their customers alike.

Learn more at BHN.com

Contract Type: Permanent

Workplace: Hybrid – 2 days in office per week

Hours: 35 hours per week

Reports to: Director, Credit

The  Senior Credit Analyst will be responsible for financial risk mitigation in our shared services organization under the direction of the Credit Manager.

A core focus of this role is supporting the end-to-end management of the Digital Distribution Partner (DDP) program by monitoring partner activity, maintaining velocity controls, and coordinating across teams to prevent fraud and financial exposure. The Credit Analyst’s responsibilities will include consistent application of a credit policy, periodic credit reviews of existing customers, and assessment of the credit worthiness of potential customers. The candidate will also be required to design and maintain reports and dashboards to both track and communicate key performance indicators.

• Monitor daily and intra-day sales volumes across assigned DDP partners, identifying unusual trends, anomalies, or activity that may indicate fraud or elevated financial risk.
• Support the creation, maintenance, and dynamic adjustment of velocity limits for DDP partners within the Risk Management System (RMS), responding to threshold alerts in a timely manner.
• Respond to velocity limit alerts; coordinate with the Risk team and Credit Manager to update alert and block rules as required to mitigate partner exposure.
• Maintain regular communication with Account Managers regarding DDP partner activity, credit standing, and any identified risk or anomaly requiring attention.
• Coordinate with Accounts Receivable (A/R) to efficiently identify and follow up on outstanding amounts associated with DDP partners.
• Ensure all newly onboarded DDP partners have velocity limits established in RMS prior to activation; flag any gaps to the Credit Manager.
• Assist with periodic audits of DDP contracts for financial security language and partner compliance with agreed credit terms.
• Design and maintain reports and dashboards compiling data across multiple platforms/sources to both track and communicate key Credit performance indicators.
• Perform analysis of Financial Statements or other data for existing customers and potential customers with the ability to make credit recommendations based on those findings.
• Interpret trade data from several trade reports (D&B, CRM, Experian) and be able to make credit recommendations based on data.
• Ensure timely review of new and existing customers.
• Regular interaction with and communication of credit decisions in both written and verbal form with management and sales.
• Foster and maintain key relationships throughout the organization to facilitate teamwork

• BA in finance, accounting, or related field 
• Experience in accounts receivable, credit, accounting, financial analysis, or related fields.
• Experience performing high-level data analysis; general understanding of databases.
• Experience with compiling and analyzing data across multiple sources.
• Experience with financial statements and financial ratio analysis.
• Quick-learner and self-starter with attention to detail and accuracy.
• Ability to work independently with minimal supervision.

We seek candidates who not only demonstrate curiosity and adaptability in emerging technologies but have also successfully implemented and utilized AI tools to enhance their work, improve processes, or deliver measurable results.  Our teams embrace continuous learning and the thoughtful integration of AI to create meaningful impact – for our employees and the future of work.

• Work-Life Balance: 25 days annual leave, birthday time off, and volunteering leave.
• Health & Well-being: Private medical insurance, employee assistance program, enhanced parental leave, and free eye tests.
• Financial Rewards: Group income protection, pension scheme, and exclusive discounts with our bYond card.
• Flexibility & Engagement: Office group activities and support for physical and mental health.
• Recognition: Participate in Flyers, our leading recognition program with financial rewards.

• Hybrid: Typically 2 days per week in the office. We’re open to flexible working arrangements and will consider reasonable adjustments in line with individual needs.

Candidate Journey at BHN:

• Stage 1: Shortlisting of suitable candidates
• Stage 2: Screening Call
• Stage 3: Interview(s) with Hiring Manager(s)
• Stage 4: Feedback/Hired

Join us and be part of a company that’s shaping the future of branded payments. Apply today and take the next step in your career!

Blackhawk Network is an equal opportunities employer. We value diversity and are committed to creating an inclusive environment for all employees. We welcome applications from all backgrounds and will make reasonable adjustments throughout the recruitment process.