Senior Merchant Underwriting Associate

ABOUT US

The ShopBack Group is Asia-Pacific’s leading shopping, rewards, and payments platform, serving over 40 million shoppers across 11 markets.

ShopBack Malaysia, a key regional hub, offers a unique platform for career growth, innovation, and collaboration. Work in a strategic location connected to regional markets, surrounded by individuals who values a collaborative culture embracing diversity, creativity, and cross-cultural experiences.

At ShopBack Malaysia, we offer regional opportunities across Finance, Operations, Creative Design, Marketing, and Sales. Join a platform with unique opportunities to work with markets including Singapore, Australia, Hong Kong, Germany and more!

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As a senior merchant underwriting associate , you will assess financial risk related to credit  and fraud associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk - brand, legal and compliance risk. The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a proven understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!

• Assess brand, compliance and financial risk and resolve credit exposure risk on new and existing merchants
• Use business credit reports, financial statements, investigative research tools, and financial market data to conduct risk assessment of ShopBack’s merchants
• Investigate and use new sources of third party data to assess merchant financial risk
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants
• Business Process Improvement: Demonstrate your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

• 2+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management or Merchant Underwriting
• Experience working with cross functional partners across the organization, especially Sales and Business Development teams
• Experience reviewing financial statements, business credit reports and payment processor statements
• Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution
• An understanding for how to perform data extraction and manipulation, as well as programming languages is a plus (SQL, R, Python, MatLab, Java, C# etc.).

PERKS

- Candid and open culture - all the way to the top

- On-the-job learning with structured training

- Talented and driven teammates across the region

- Transparent career progression paths and coaching support

- Fun-filled activities and celebrations all year round

- Competitive compensation and stock options

- Hybrid Work Arrangement & Work-From-Anywhere Benefit