Goldman Sachs Group, Inc.
Transaction Banking, Credit Risk Management Associate/Jr. Vice President
Goldman Sachs Group, Inc., Dallas, Texas, United States, 75215
Job Description
We aim to build a modern and digital-first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start‑up. Our goal is to provide a best‑in‑class digital product that helps clients to succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms.
We provide our clients a simple, intuitive, secure, and frictionless experience for domestic, cross‑border and cross‑currency payments. Simplifying payments, making it just as easy to pay someone across the globe as it is to pay someone around the corner. We’re a team of diverse experts helping our clients to build the future of their Treasury.
Role Summary As part of TxB’s global First line of Defense Risk team, you will play a critical role in collaborating with Sales, Product, Operations, Engineering and firm‑wide credit risk team to manage and mitigate settlement risks in payment transactions. The role will involve credit assessment, limit set up, portfolio management and risk reporting to senior management and to federation partners. It will also involve solutioning for clients with specific needs.
We are looking for someone with lots of energy that has excellent communication skills, credit risk knowledge, enjoys product and engineering challenges, and can operate in a highly fluid, rapidly changing environment. If that’s you, we would like to hear from you!
Responsibilities
Engage with Sales and Client Implementation teams to determine credit requirements for new clients
Liaise with second line Credit Risk team and other firm federation partners for credit evaluation and calibration of settlement line sizes; work with Legal for contracts negotiations
Manage a growing portfolio of clients and settlement lines
Design and own risk models for payment returns, exchange rate changes, etc.
Provide oversight for policies and procedures, manage processes and risk controls and conduct reviews and reporting
Assist with credit risk related audits and exams conducted by internal/external auditors and regulators
Update and maintain documentation for team processes and best practices; develop and improvise MISs and performance dashboards
Identify, create, and refine necessary KPI’s to define success and track progress, developing a strong set of outcome‑based metrics
Establish trusted partnerships with peers, functional leads, and executive level stakeholders
Manage ongoing and detailed project plans to drive key deliverables to completion
Qualifications
Bachelor’s degree in finance, economics, or a related quantitative field
4-8 years of direct experience in credit risk in payments space, including the extension of payment settlement lines
Solid understanding of credit risk principles, including exposure measurement, limit management, and risk mitigation techniques
Well versed in various transaction banking products and services, such as Payments and Liquidity Products
Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross‑functional teams
Ability to work autonomously and be self‑driven, while working in a time sensitive environment, capable of using data and critical thinking to make real‑time decisions
Strong analytical and problem‑solving skills, with the ability to interpret data and identify trends
Skills
Credit Risk Management & Portfolio Oversight
Executive Reporting & Communication
Transaction Banking and Payments Expertise
Strategic Problem Solving
Leadership Presence
Stakeholder Engagement & Influence
Benefits Goldman Sachs is committed to providing our people with valuable and competitive benefits and wellness offerings, as it is a core part of providing a strong overall employee experience. A summary of these offerings, which are generally available to active, non‑temporary, full‑time and part‑time US employees who work at least 20 hours per week, can be found here.
Job Info
Job Identification 155542
Job Category Associate
Posting Date 11/17/2025, 10:39 PM
Locations Dallas, Texas, United States
Healthcare & Medical Services
We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally.
We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.
Financial Wellness & Retirement
We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.
Health
We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state‑of‑the‑art on‑site health centers in certain offices.
Fitness
To encourage employees to live a healthy and active lifestyle, some of our offices feature on‑site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre‑approved amount).
We offer on‑site child care centers that provide full‑time and emergency back‑up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.
Benefits at Goldman Sachs
Read more about the full suite of class‑leading benefits our firm has to offer.
Learn More
#J-18808-Ljbffr
We provide our clients a simple, intuitive, secure, and frictionless experience for domestic, cross‑border and cross‑currency payments. Simplifying payments, making it just as easy to pay someone across the globe as it is to pay someone around the corner. We’re a team of diverse experts helping our clients to build the future of their Treasury.
Role Summary As part of TxB’s global First line of Defense Risk team, you will play a critical role in collaborating with Sales, Product, Operations, Engineering and firm‑wide credit risk team to manage and mitigate settlement risks in payment transactions. The role will involve credit assessment, limit set up, portfolio management and risk reporting to senior management and to federation partners. It will also involve solutioning for clients with specific needs.
We are looking for someone with lots of energy that has excellent communication skills, credit risk knowledge, enjoys product and engineering challenges, and can operate in a highly fluid, rapidly changing environment. If that’s you, we would like to hear from you!
Responsibilities
Engage with Sales and Client Implementation teams to determine credit requirements for new clients
Liaise with second line Credit Risk team and other firm federation partners for credit evaluation and calibration of settlement line sizes; work with Legal for contracts negotiations
Manage a growing portfolio of clients and settlement lines
Design and own risk models for payment returns, exchange rate changes, etc.
Provide oversight for policies and procedures, manage processes and risk controls and conduct reviews and reporting
Assist with credit risk related audits and exams conducted by internal/external auditors and regulators
Update and maintain documentation for team processes and best practices; develop and improvise MISs and performance dashboards
Identify, create, and refine necessary KPI’s to define success and track progress, developing a strong set of outcome‑based metrics
Establish trusted partnerships with peers, functional leads, and executive level stakeholders
Manage ongoing and detailed project plans to drive key deliverables to completion
Qualifications
Bachelor’s degree in finance, economics, or a related quantitative field
4-8 years of direct experience in credit risk in payments space, including the extension of payment settlement lines
Solid understanding of credit risk principles, including exposure measurement, limit management, and risk mitigation techniques
Well versed in various transaction banking products and services, such as Payments and Liquidity Products
Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross‑functional teams
Ability to work autonomously and be self‑driven, while working in a time sensitive environment, capable of using data and critical thinking to make real‑time decisions
Strong analytical and problem‑solving skills, with the ability to interpret data and identify trends
Skills
Credit Risk Management & Portfolio Oversight
Executive Reporting & Communication
Transaction Banking and Payments Expertise
Strategic Problem Solving
Leadership Presence
Stakeholder Engagement & Influence
Benefits Goldman Sachs is committed to providing our people with valuable and competitive benefits and wellness offerings, as it is a core part of providing a strong overall employee experience. A summary of these offerings, which are generally available to active, non‑temporary, full‑time and part‑time US employees who work at least 20 hours per week, can be found here.
Job Info
Job Identification 155542
Job Category Associate
Posting Date 11/17/2025, 10:39 PM
Locations Dallas, Texas, United States
Healthcare & Medical Services
We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally.
We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.
Financial Wellness & Retirement
We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.
Health
We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state‑of‑the‑art on‑site health centers in certain offices.
Fitness
To encourage employees to live a healthy and active lifestyle, some of our offices feature on‑site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre‑approved amount).
We offer on‑site child care centers that provide full‑time and emergency back‑up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.
Benefits at Goldman Sachs
Read more about the full suite of class‑leading benefits our firm has to offer.
Learn More
#J-18808-Ljbffr