Underwriting Risk Analyst

A fast-growing FinTech in the payments acquiring space is looking for an experienced Underwriting Risk Analyst to join their growing business.

As an Underwriting Risk Analyst, you\’ll assess merchant applications, identify potential risks, and ensure compliance with regulatory requirements. This role is ideal for someone with a strong analytical mindset, risk assessment experience, and an interest in the evolving payments landscape.

Key Responsibilities:

✅ Conduct underwriting reviews for new and existing merchants

✅ Analyse transaction patterns, chargeback ratios, and fraud indicators

✅ Identify high-risk industries and merchants, applying enhanced due diligence

✅ Collaborate with compliance and legal teams on regulatory adherence

✅ Make data-driven recommendations on approvals, declines, or mitigation strategies

✅ Monitor merchant activity to detect unusual transaction behaviour

✅ Work cross-functionally with Sales, Compliance, and Operations teams

What We’re Looking For:

🔹 2+ years of experience in underwriting, risk analysis, or fraud prevention (payments or financial services industry preferred)

🔹 Strong understanding of card payment processing and merchant acquiring

🔹 Proficiency in risk assessment tools, fraud detection software, and data analysis platforms

🔹 Analytical mindset with problem-solving skills

🔹 Excellent communication and stakeholder management skills

🔹 Knowledge of SQL, Python, or data analysis tools is a plus