Credit & Payments Risk Manager

Who we are

Calamatta Cuschieri Moneybase is one of Malta’s largest financial services firms that pioneered the Maltese financial services industry as early as 1971. With a philosophy to consistently service clients in an honest and personalised manner, we have moved from strength to strength gaining an excellent reputation along the way.

Moneybase a multi-award-winning finance platform that allows individuals and businesses to easily manage all their financial needs, from daily payments to and investments to treasury and wealth management.

What we believe in

We are committed to providing our clients with a personalised, high value and comprehensive service. We believe in the well-being of our staff, in the importance of constant innovation and in the use of the latest technologies to achieve our mission.

The Credit and Payments Risk Manager is responsible for identifying, assessing, and managing risks related to credit exposures and payment processes. This dual-function role ensures the company maintains a healthy credit portfolio while safeguarding against payment fraud, operational failures, and compliance breaches in the end-to-end payment lifecycle.

Duties & Responsibilities:

• Maintaining and improving on transaction monitoring systems that will warn of key criteria that may indicate impactful incidents in real time or in advance

• Identify and investigate fraudulent activities, swiftly mitigating risks and mitigating financial losses

• Analyse trends in fraud and payments, escalating cases to the appropriate department where necessary

• Collaborate with internal teams including product, risk, compliance and operations, to enhance fraud detection systems and implement process improvements

• Provide subject matter expertise on credit risk during vendor evaluations and the implementation of lending systems or platforms

• Assist in the development and maintaining credit risk assessment frameworks, policies, and controls

• Conduct credit assessments of potential clients and always upkeeping of the scoring sheet

• Set and monitor credit limits and ensure timely reviews of customer creditworthiness

• Monitor and track the performance of credit portfolios

• Prepare detailed credit reports and work with the Head of Risk to present to key stakeholders

• Assist in the development and regular refinement of Standard Operating Procedures (SOPs) and Risk Management policies and procedures, ensuring their effective implementation and adherence

• Manage a team of analysts

• Together with other team members, drive innovation in the credit and payments function by identifying opportunities for continuous improvement

• Keeping abreast of regulatory changes and best practices in the payments industry