Senior Analyst, Platform Underwriting Operations Atlanta

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**** Company Description
**** is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why.

With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech.
**** Job Description
**** We are looking for a seasoned underwriter with a background in payments, due diligence, and financial analysis to join our Platforms Underwriting team in Atlanta.

You will be part of a team that is responsible for underwriting applications for customers utilizing ’s solution for platforms, primarily Payment Facilitators, Marketplaces, and Staged Digital Wallet Operators. This team focuses on analysis relevant to Customer Due Diligence, Enhanced Due Diligence, Business Model, Credit, and Financial Analysis.

This role offers unique exposure to our core business areas, collaborating closely with our key internal players (Commercial, Compliance, Risk, Legal teams and Senior Management) and our high-value merchants and partners.
**** How you'll make an impact
***** Conduct business model analysis and a holistic assessment of a customer’s risk profile, leveraging your proficient-level understanding of the risks and requirements of different Platform models (ISVs, Payfacs, Marketplaces, Staged Digital Wallets, MORs).
* Conduct customer due diligence and enhanced due diligence analysis on prospective customers including KYC, KYB, PEP, Sanctions, and Adverse Media screening.
* Conduct expert-level analysis of P&L, balance sheet, and cash flow statements of Platform models and other high-risk sectors.
* Prepare persuasive summaries to internal stakeholders and risk committees, identifying mitigants and making balanced recommendations for each deal.
* Represent the Platform Underwriting team in leading and attending customer calls and meetings alongside Sales or Account Managers.
* Approve individual credit submissions in line with approval authority.
* Identify operational issues and areas for improvement, and make detailed recommendations on how to improve the merchant onboarding experience.
* Act as a mentor to new or junior team members through training initiatives and credit approvals.
* Foster a culture of collaboration with key internal stakeholders, in particular Sales/Account Managers, and first and second line Risk and Compliance personnel and Legal.
* Contribute to department and cross-functional projects/initiatives as required.
**** What we’re looking for
***** Proficient-level understanding of Checkout's Platform product offering, including features and limitations, and the ability to independently classify different Platform models.
* Expert-level financial statement analysis and credit exposure assessment ability.
* Demonstrated ability to make sound judgments, balancing risk and reward.
* Competent escalation management, acting with urgency to ensure escalations are prioritized, owned, and resolved effectively.
* Ability to continually monitor and independently manage competing priorities and adjust accordingly without impact to SLA attainment.
* Excellent written and interpersonal communication skills, with concise presentation skills and the ability to deliver complex messages clearly.
* A passion for operational improvement initiatives and the ability to contribute to broader department initiatives and projects.
* Possess a ‘customer first’ approach to delivering creative solutions.
**** Experience you'll bring to the role
***** 6+ years of direct experience related to financial analysis or merchant underwriting.
* 5+ years of work experience related to due diligence, merchant underwriting, or equivalent underwriting work.
* Demonstrable experience related to customer due…