Credit Risk Administrator

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. With US$130bn+ processed annually across 30+ countries, we handle recurring and one-off payments without the chasing, stress, or expensive fees. Our end-to-end payment platform also features AI-powered solutions to improve payment success and reduce fraud, alongside connections to over 350 platforms businesses use everyday.

We are headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific.

The role

We are looking for a Credit Risk Administrator to join our Internal Operations team within GoCardless. This is an excellent opportunity for someone early in their career who is looking to develop hands-on experience in credit risk, compliance and payments within a fintech environment.

A little bit more in detail about the role:

Insolvency Case Management

• Own and manage insolvent merchant cases end-to-end across multiple jurisdictions (currently mainly UK, France, and Spain, with scope to expand)
• Act as the single point of contact for all internal and external parties involved in an insolvency case
• Suggest mitigants needed to support the merchant through insolvency, restructuring or business wind-down
• Coordinate the collection and submission of required documentation from administrators (e.g. proof of debt, claim forms, creditor correspondence)
• Track and manage the collection and release of funds in line with insolvency proceedings and internal policy, and ensure invoices are correctly reconciled.

Internal Coordination

• Act as the operational bridge between credit control, legal, finance, and customer-facing teams on all insolvency matters
• Drive the internal process: chasing stakeholders, flagging blockers, and keeping cases on track
• Support the novation process for insolvent companies in close collaboration with legal and customer-facing teams
• Escalate complex or high-value cases to the Head of Billing & Credit Control and the Credit Underwriting team, as appropriate.

Reporting

• Maintain an accurate, up-to-date insolvency tracker covering all live cases, jurisdictions, and expected recoveries or losses
• Provide regular case updates and exposure reporting to support month-end close
• Flag write-off recommendations where recovery is no longer viable

Ticket Management

• Manage tickets and alerts received via Zendesk for inactive companies, insolvencies, administrations or other notable corporate events.
• Engage with merchants as needed to understand the necessary context and take action when appropriate.
• Respond to queries and escalate issues where appropriate

This role works Monday - Friday, 10 - 19, in a hybrid way. During the probation period, you could be asked to come to the office.

The team also works on national holidays.

What excites you

• You'll have real ownership from day one. You're the main point of contact for every insolvency case, inside and out.
• You'll work across borders. Managing cases under different legal frameworks.
• You'll be working with senior stakeholders daily. Legal, finance, commercial — you'll build relationships across the business

What excites us

• An interest in credit risk, insolvency or financial operations — whether through study, work experience, or a related role
• Confident in dealing directly with administrators and insolvency practitioners
• Strong coordination skills — you'll be managing multiple internal stakeholders across different teams simultaneously
• Highly organised with excellent attention to detail across a busy and varied caseload
• Clear, confident communicator, written and verbal
• Proactive and self-sufficient — you manage your workload

Base salary range: 26,400 EUR - 39,600 EUR

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

(some of) The good stuff

• Wellbeing - stay healthy with dedicated support and medical cover
• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
• Adaptive Working - allows you to work flexibly, around your lifestyle
• Parental leave - to suit everyone embarking on life's great adventure
• Learning Budget - lead your own development with an annual learning budget
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.

Diversity & Inclusion

As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices.

To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as:

Asian, Black, Mixed or Other — 25%

Neurodiverse — 9%

LGBTQIA+ — 9%

Disabled — 1%

Average age — 33

Female — 45%

Male —  55%

We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support.

If you want to learn more, you can read about our Employee Resource Groups and objectives here

Sustainability

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here.

Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.