At a Glance
- Tasks: Analyse complex business models and assess credit risk for diverse portfolios.
- Company: Dynamic underwriting team in a leading financial services firm.
- Benefits: Competitive salary, mentorship opportunities, and a collaborative work environment.
- Other info: Opportunity for career growth and to mentor junior team members.
- Why this job: Make impactful decisions while working with a talented team in a fast-paced setting.
- Qualifications: 5+ years in underwriting or credit analysis; degree in finance or related field.
The predicted salary is between 60000 - 80000 £ per year.
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).
Senior Analyst, Enterprise Underwriting employer: 0026 Checkout Technology Ltd
Join our innovative team in London as a Senior Analyst, where you will thrive in a collaborative work culture that values professional growth and mentorship. We offer competitive benefits and a dynamic environment that encourages creativity and operational excellence, making it an ideal place for those seeking meaningful and rewarding employment in the financial sector.
Contact Details:
0026 Checkout Technology Ltd Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Analyst, Enterprise Underwriting
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about asking for introductions. We all know that sometimes it’s not just what you know, but who you know that can land you that dream job.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. We recommend practising common interview questions and tailoring your answers to highlight your experience in underwriting and credit analysis. Show them you’re the perfect fit for their team!
✨Tip Number 3
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. We suggest mentioning something specific from your conversation to remind them why you’re the ideal candidate for the Senior Analyst role.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive and engaged with our platform.
We think you need these skills to ace Senior Analyst, Enterprise Underwriting
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Senior Analyst role. Highlight your experience in underwriting, credit analysis, and financial evaluation techniques. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background makes you the perfect fit for our Underwriting team. Keep it engaging and relevant!
Showcase Your Analytical Skills:In your application, be sure to showcase your analytical skills and experience with P&L, balance sheets, and cash flow statements. We love seeing candidates who can demonstrate their understanding of complex business models.
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. We can’t wait to see what you bring to the table!
How to prepare for a job interview at 0026 Checkout Technology Ltd
✨Know Your Numbers
As a Senior Analyst, you'll need to demonstrate your expertise in financial analysis. Brush up on your P&L, balance sheet, and cash flow statement knowledge. Be ready to discuss how you've applied these skills in past roles, especially in complex business models.
✨Showcase Your Risk Assessment Skills
Prepare examples of how you've assessed credit risk in previous positions. Highlight your experience with higher-risk industries like travel or gaming, and be ready to explain your thought process when making recommendations to management.
✨Communicate Clearly
Strong communication skills are key for this role. Practice summarising complex information into clear, persuasive points. You might even want to prepare a mock presentation to showcase how you would present your findings to the Credit Risk Committee.
✨Emphasise Collaboration
This position requires working closely with various teams. Think of examples where you've fostered collaboration in your previous roles. Be prepared to discuss how you can bridge gaps between underwriting, sales, and legal teams to improve processes.
