Senior Analyst, Underwriting

Company Description

We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen.

Checkout.com 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're looking for a strong Underwriter with a background in payments and/or financial analysis to join our US team, based out of Atlanta. 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 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

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

Bring all of you to work 

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we 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.
 

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit ourCareers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram