Senior Analyst

We're looking for a strong Underwriter with a background in payments and/or financial analysis to join our London team. You will be part of a team that is responsible for underwriting enterprise customer applications with a focus on analysis relevant to Due Diligence, Credit Exposure and enhanced Financial Analysis. This role offers a unique exposure to our core business areas, collaborating closely with our key internal players (Business Development, Sales, Risk, Legal teams and Top Management) and our high value merchants and partners.

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 result 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, 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

Requirements

What we're looking for

• Subject matter expertise in underwriting and financial analysis
• Demonstrated ability to make sound judgment, balancing risk and reward
• Ability to continually monitor and manage competing priorities and adjust accordingly
• Possess excellent written and interpersonal communication skills
• Experience within 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

Experience you will bring to the role

• 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

Additional information

Apply without meeting all requirements statement

If you don't meet all the requirements but think you might still be right for the role, please apply anyway. We're always keen to speak to people who connect with our mission and values.

We believe in equal opportunities

We work as one team. Wherever you come from. However you identify. And whichever payment method you use.

Our clients come from all over the world — and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success.

When you join our team, we’ll empower you to unlock your potential so you can do your best work. We’d love to hear how you think you could make a difference here with us.

We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We’ll be happy to support you.

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