Analyst II, Underwriting (Online Payments)

Checkout.com is one of the most exciting fintechs in the world. Our mission is to enable businesses and their communities to thrive in the digital economy. We’re the strategic payments partner for some of the best known fast-moving brands globally such as Wise, Hut Group, Sony Electronics, Homebase, Henkel, Klarna and many others. Purpose-built with performance and scalability in mind, our flexible cloud-based payments platform helps global enterprises launch new products and create experiences customers love. And it's not just what we build that makes us different. It's how.

We empower passionate problem-solvers to collaborate, innovate and do their best work. That’s why we’re on the Forbes Cloud 100 list and a Great Place to Work accredited company. And we’re just getting started. We’re building diverse and inclusive teams around the world — because that’s how we create even better experiences for our merchants and our partners. And we need your help. Join us to build the digital economy of tomorrow.

The role

Please note: This is a hybrid-based position in line with our global company policy with 3 days per week in our Atlanta Office.

We’re looking for a strong Underwriter with a background in payments and/or financial analysis to join our NORAM Underwriting team. You will be part of a team that is responsible for underwriting enterprise customer applications with a focus on analysis relevant to Business Models, Credit Exposure, Due Diligence, Financial Analysis, and Scheme Rules.

This role offers a unique exposure to our core business areas, collaborating closely with our key internal players (Business Development, Financial Partnerships, Sales, Risk, Compliance, Legal teams, and Senior Management) and our high-value merchants and partners.
 

How you’ll make an impact:

• Conduct business model analysis in line with internal policy guidelines and apply evaluation techniques to achieve the desired results for complex deals.

• Calculate exposure in line with existing guidance, with the ability to tailor the approach based on merchant specifics.

• Complete financial analysis of profit and loss, balance sheet, and cash flow statements and demonstrate a competent understanding of accounting principles.

• Experience in underwriting high-risk lines of business including travel, furniture, ticket and events, securities, gambling etc.

• Prepare detailed oral and written summaries to assess micro and macro risks, mitigating factors, and make balanced recommendations to present to management, the Credit Risk Committee, and Checkout’s partner bank.

• Represent Underwriting in customer calls and meetings alongside Sales or Account Management.

• Access and process Pay to Card and Pay to Bank applications.

• Several years of work experience in the financial services/payments/digital banking sector wit a focus on merchant underwriting or similar underwriting roles.

• Expert business model assessment and identification of credit risk exposure.

• Strong knowledge of financial statement analysis and analyzing credit exposure.

• Excellent written and interpersonal communication skills, you have a ‘Customer First’ approach to delivering creative solutions for our merchants and will contribute to cross-team collaboration and building a ‘One Team’ culture.

• Experience within Customer Due Diligence, KYC, and KYB.

• Competent escalation management - act with urgency to ensure escalations are prioritized, owned, and resolved effectively.

• You have a passion for operational improvement initiatives and can contribute to broader department initiatives and projects.

New York City law requires Checkout.com to include in job postings a reasonable estimated salary range for this position. However, exact compensation may vary subject to several factors such as a candidate’s level, relevant experience, qualifications, skills and proficiency for the role. 

The information provided here is applicable to those working in the New York City office. However, this role may also open to applicants from other US locations and will be advised on the relevant pay for that location.

For regular full-time employees in Atlanta, Georgia, the estimated base salary for this role is $76,500 to $90,000 per year. Additionally, this role is eligible to earn an annual cash bonus.

Our competitive salaries are just one component of Checkout.com’s total compensation package. Additional benefits include: health, vision, dental insurance, 401k, vacation and sick and safe time, learning days and volunteer days.

To view more details of what you can look forward to, visit our careers page: https://www.checkout.com/careers.

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.

Take a peek inside life at Checkout.com via

• Our Culture video https://youtu.be/BEwnpHuadSw
• Our careers page https://www.checkout.com/careers
• Our LinkedIn Life pages bit.ly/3OaoN1U  
• Our Instagram https://www.instagram.com/checkout_com/

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.

Take a peek inside life at Checkout.com via

• Our Culture video https://youtu.be/BEwnpHuadSw
• Our careers page https://www.checkout.com/careers
• Our LinkedIn Life pages bit.ly/3OaoN1U  
• Our Instagram https://www.instagram.com/checkout_com/