Senior Analyst, Underwriting

How you’ll make an impact

Leveraging experience, you will conduct business model analysis in-line with internal policy guidelines and apply complex evaluation techniques to achieve the desired results for complex deals.

• Conduct proficient analysis of P&L, balance sheet and cash flow statements of complex business models and demonstrate a competent understanding of accounting principles.
• Competent in underwriting high risk lines of business including travel, subscriptions, ticketing and events, securities dealers, gambling, amongst others.
• Prepare persuasive summaries to assess micro and macro risks, mitigants and make balanced recommendations to present to management and the Credit Risk Committee.
• Represent Underwriting in attending customer calls and meetings alongside Sales or Account Management.
• Approve teammates’ credit submissions in line with delegated approval authority.
• Identify operational issues and areas for improvement, and make detailed recommendations on how to improve the merchant onboarding experience.
• Preferable if candidate possesses industry expertise, and can act as a subject matter expert in a particular industry(ies).
• Foster a culture of collaboration with key internal stakeholders, in particular Sales, and first and second line Risk personnel and Legal.
• Act as a mentor to junior team members through training initiatives and credit approvals.
• Contribute to Underwriting driven projects as required.

• Subject matter expertise in underwriting and financial analysis.
• Demonstrated ability to make sound judgement, balancing risk and reward.
• Ability to continually monitor and manage competing priorities and adjust accordingly.
• Possess excellent written and interpersonal communication skills.
• Experience with in Customer Due Diligence (KYC and KYB).
• Adopt a “customer first” mindset to deliver creative solutions for our merchants.
• Competent escalation management – act with urgency to ensure escalations are prioritized, owned, and resolved effectively.
• Possess enthusiasm to drive process improvement initiatives, and contribute to broader department initiatives and projects.
• High performance mindset defined by rigorous discipline and execution intensity.
• Contribute to cross team collaboration and building a One Team culture.
• Leading by example, you will demonstrate our core Values and live out our Operating Principles in everything you do.
• Desirable if you have coached, mentored or led teams in the past.
• Work in a team that uses qualitative and quantitative targets to measure performance.
• Demonstrable experience related to merchant underwriting, credit insurance and/or commercial lending.
• Expert level financial statement analysis and credit exposure assessment ability.
• Experience with concise written and oral presentations, and ability to deliver complex messages in a clear and focused manner.
• A highly analytical team player who loves to evaluate financial and business risks.
• Domain expertise within the payments industry will be preferable.