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Underwriting Analyst

Posted: 23 Jan 2022 Closes: 22 Feb 2022
San Francisco, US Competitive
Permanent & Full-time 120189545

We're is one of the most exciting and valuable fintechs in the world, with our Series D taking our valuation to $40 billion. Our mission is to enable businesses and their communities to thrive in the digital economy. We're the strategic payments partner for some of the best known fast-moving brands globally such as Patreon, Dashlane, Udacity, Binance, Wise, Sony Electronics, Klarna and many others. Purpose-built with performance and scalability in mind, our flexible cloud-based payments platform helps global enterprises launch new products and create experiences customers love. And it's not just what we build that makes us different. It's how.

We empower passionate problem-solvers to collaborate, innovate and do their best work. That's why we're number 9 on the Forbes Cloud 100 list and on Glassdoor's list of Top 10 fintechs to work for. And we're just getting started. We're building diverse and inclusive teams around the world - because that's how we create even better experiences for our merchants and our partners. And we need your help. So, join us to build tomorrow, today.

We're proud to be certified as a , with 89% of colleagues agreeing that this is a great place to work. That's 30% above average.

Underwriting Analyst at

The Underwriting Analyst will play an important role in the continued evolution of our US Merchant Onboarding Program. Delivery of an excellent onboarding experience for our merchants is a top priority so your experience in underwriting, risk, credit, and scheme compliance to limit risk and maximize success is ideal. You will be responsible for decisioning merchant applications, as well as identifying risk and compliance concerns for these merchants throughout the entire customer lifecycle.

Reporting directly to the US VP of Risk & Underwriting, the successful candidate will deliver sound and reasonable risk decisions, will simultaneously executing on the organizations broader goals of improving the merchant experience by reducing

What You Will Be Doing
    • Assess business model risk and determine credit risk exposure on existing merchants to determine appropriate course of action
    • Prepare concise oral and written summary recommendations regarding findings, issues, and mitigation to risks
    • Analyse financial, bank and processing statements to assess credit worthiness
    • Prepare persuasive summaries to assess micro and macro risk. For large deals, present to a Global Credit Risk Committee as necessary
    • Assist Account Management and Sales with customer calls requiring explanation of specific credit risks, internal credit policies, and decisions related to those assessments & policies
    • Monitor and investigate merchants' credit card processing activities using internal and external risk monitoring tools
    • Stay current on market and industry trends
    • Interact with members of Special Credits team when dealing with companies whose credit profile is deteriorating to balance best outcome for customer relationship and loss avoidance
    • Handle escalations for complex situations and high exposure cases as necessary
    • Actively participate in daily stand ups and deal discussions with peers and leaders, providing constructive inputs and suggestions on teammates cases, while also learning and growing through discussions

About You
    • 1+ years of merchant service work experience related to merchant underwriting and/or commercial lending
    • Solid financial statement analysis and assessing credit exposure
    • Strong analytical skills - must be able to analyse complex data, draw meaningful conclusion, and make holistic business recommendations
    • Experience with concise written and oral presentations
    • Highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action in a fast-paced environment and a desire to get to the source of anything even the least bit fishy
    • A highly analytical team player who loves to evaluate degrees of financial and credit risk
    • Ability to exercise sound judgement and be resourceful in all things
    • An acute sense of right and wrong with the calculations to back it up
    • Strong collaboration skills, and the ability to build rapport with members of other departments
    • Leadership skills for guiding, supporting, coaching and mentoring peers
    • Ability to navigate difficult conversations and negotiate with clients on adverse issues
    • Familiarity with the merchant processing industry, particularly risk and operational processes
    • Bachelor's Degree in Accounting, Finance, Economics, Statistics, Mathematics or equivalent experience required


What we stand for

At, everything starts with our values, including the experience we offer our people.


We supercharge your professional growth with career development programs and leadership training. You can learn your way, with tailored pathways and online platforms. And be inspired at relevant conferences.


We don't stop at 'good' here. We strive for excellence amongst our teams every day and recognize colleagues who take it to the next level through our quarterly peer-nominated Hero awards.


We're proud of our global connections and inclusive environment. So we champion this through our colleague-led community groups and celebrate many cultural events together.

Want to see us in action?


More about

Our technology makes payments seamless. We provide the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, world-class fraud filters and reporting, through one API. And we can accept all major international credit and debit cards, as well as popular alternative and local payment methods. launched in 2012, and we now have a team of 1800 people across 19 international offices. To date, we've raised a total of $1.8 billion, with our Series D valuing us at $40 billion.

We believe in equal opportunities is an equal opportunities employer. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion, or belief. We make recruiting decisions based on your experience, skills and personality. We believe that employing a diverse workforce is the right thing to do and is central to our success.
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