Underwriting Analyst, APAC

As an Underwriting Analyst at Unlimit, your main responsibilities will include conducting thorough underwriting and credit analysis of applications, assessing financial risks for new and existing merchants, adhering to company policies, and optimizing our internal processes for merchant onboarding and monitoring.

To qualify for the Underwriting Analyst position at Unlimit, you should have at least three years of experience in acquiring and merchant underwriting, a solid understanding of AML, KYC, and PCI regulations, and excellent analytical and communication skills.

Unlimit fosters professional growth by providing a modern workplace with necessary resources, opportunities for learning from top international professionals, and a multicultural environment that encourages diversity and collaboration.

At Unlimit, Underwriting Analysts use a combination of analytical software and best practices to perform risk assessments. This includes evaluating credit risks, financial exposure calculations, and monitoring compliance with various regulations and company policies.

The team environment for the Underwriting Analyst role at Unlimit is collaborative and dynamic. You will work alongside a diverse group of professionals who are committed to innovation and improvement, allowing for the sharing of ideas and best practices in a fast-paced fintech landscape.

When discussing methodologies, highlight your familiarity with risk assessment frameworks, including quantitative and qualitative analysis. Explain how you integrate data-driven insights with regulatory guidelines to make informed underwriting decisions.

To answer this, detail your experience with AML and KYC processes, emphasizing the importance of thorough due diligence and continuous monitoring. Provide examples of how you've successfully implemented compliance measures in previous roles.

Use the STAR method to outline a specific situation where you recognized a bottleneck in the underwriting process, the steps you took to analyze and optimize it, and how your changes led to measurable improvements in efficiency or accuracy.

Discuss the various risk mitigation strategies you've employed in the past, such as setting credit limits, implementing monitoring systems, or conducting regular audits. Emphasize your analytical skills in identifying potential issues before they escalate.

Explain your approach to conflict resolution, which should include gathering all relevant data, speaking with the merchant for clarification, and possibly consulting with colleagues or other departments to ensure a comprehensive understanding before making a decision.

Reflect on particular challenges you've faced, such as regulatory changes or high volumes of applications. Discuss the strategies you employed to navigate these challenges effectively, showcasing your adaptability and problem-solving skills.

Mention your commitment to ongoing education through courses, webinars, or industry publications. Sharing specific resources or communities you actively engage with can illustrate your dedication to staying informed in a rapidly evolving field.

Provide an informed opinion on common risks such as fraud, regulatory compliance, or market volatility. Support your view with examples or data, showing that you are well-versed in the industry's challenges.

Detail your step-by-step approach to the onboarding process, highlighting the importance of ensuring compliance, conducting thorough risk assessments, and maintaining clear communication with the merchant throughout the process.

Share a specific instance where you successfully collaborated with internal stakeholders, outlining how you communicated findings, addressed concerns, or provided insights that led to improved decision-making outcomes.