Senior Analyst, Enterprise Underwriting in London

Job Description

We are seeking a highly motivated and experienced Senior Analyst to join our dynamic Underwriting team in London. You will be part of a team responsible for underwriting enterprise customer applications with an emphasis on Due Diligence, Credit Exposure, and Financial Analysis.

Responsibilities

• Conduct in‑depth 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.
• Assess credit risk for a diverse portfolio of businesses, including those in higher‑risk industries such as travel, subscriptions, and gaming.
• 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.
• Proactively identify operational issues and areas for improvement, and make detailed recommendations on how to improve the merchant onboarding experience.
• Foster a culture of collaboration with key internal stakeholders, in particular Sales, first and second line Risk personnel, and Legal.
• Act as a mentor to junior team members through training initiatives and credit approvals.
• Participate in Underwriting projects and initiatives.

Qualifications

• 5+ years of experience in merchant underwriting, credit analysis, or a similar role.
• Degree in Accounting, Finance, Economics, Statistics, Mathematics, or equivalent experience required.
• Strong understanding of accounting principles and financial statement analysis.
• Proven ability to assess business models and identify credit risk exposures.
• Excellent written and verbal communication skills.
• Demonstrated ability to make sound judgment, balancing risk and reward.
• Experience within Customer Due Diligence (KYC and KYB).
• Adopt a customer‑first mindset to deliver creative solutions and act with urgency to ensure escalations are prioritized, owned, and resolved effectively.
• High‑performance mindset defined by rigorous discipline and execution intensity.
• Ability to work independently and as part of a team in a fast‑paced environment.
• Leading by example, demonstrating core values and operating principles in everything you do.

Bonus Qualifications

• Experience in the payments industry.
• Experience coaching or mentoring junior team members.
• Expertise in a specific industry vertical.
• Fluency in an additional European language (ideally Spanish, French, or German).

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