Senior Underwriting Analyst, Quality Control in Vauxhall

We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale.

The Senior Analyst, Underwriting Quality Control (QC) will establish and continually improve a consistent, risk-based quality control framework for work completed by Underwriters. The role will build on existing QC practices and tools, tailoring them to the Underwriting lifecycle, products, risk decisions and operating model. It provides an objective, evidence-led check that underwriting assessments and outcomes are complete, consistent, appropriately documented and aligned with internal policy, procedures and applicable requirements.

This is a hands-on role. The Senior Analyst will conduct QC reviews, maintain the framework and reporting, follow findings through to verified remediation, and work with Underwriters and leaders to address recurring gaps. The role reports to the Director of Underwriting and influences quality across the function without replacing the Underwriter’s decision-making accountability.

Key responsibilities:

• Build and own the QC framework.
• Assess existing QC materials, controls, data and workflows; identify what should be retained, improved or introduced for Underwriting.
• Design, document and implement an Underwriting-specific QC framework, including scope, risk-based sampling, review cadence, test scripts, scoring and severity definitions, evidence standards, escalation routes, dispute handling, calibration and remediation expectations.
• Tailor testing to the relevant underwriting stages, products, merchant and business models, risk tiers and applicable regional requirements.
• Define practical service levels and ownership for review, feedback, acknowledgement, remediation, re-review and closure, agreeing these with Underwriting leadership.
• Establish appropriate governance and records so that QC decisions and remediation are traceable and ready for internal or external review.
• Perform and calibrate QC reviews.
• Review completed underwriting cases and test whether the case record is complete, and appropriately documented.
• Identify missing, inconsistent, stale or insufficient evidence, and opportunities to improve decision quality.
• Communicate findings promptly, clearly and fairly to the relevant Underwriter and manager, with evidence and an actionable explanation of what needs to change.
• Track acknowledgement, corrective action and deadlines; proactively chase overdue responses and escalate unresolved or repeat issues.
• Produce regular, accurate QC reporting for Underwriting leadership, with clear commentary on coverage, pass and defect rates, severity, recurring themes, remediation status, turnaround and trends by relevant team, workflow, product or risk segment.
• Identify capability gaps from QC findings and partner with Underwriting leaders and relevant subject-matter experts to design and deliver focused training, coaching and practical guidance.

What Success Looks Like:

The ideal candidate is a rigorous and constructive quality professional who can build a practical control framework, apply it consistently and influence experienced Underwriters. They combine sound KYC/KYB judgement with strong analytical and reporting skills, confidence in following through on remediation, and the ability to turn case-level observations into improvements across a regional operation.

Essential:

• Significant experience in underwriting, merchant due diligence, AML/KYC/KYB, onboarding, financial crime operations, quality control, quality assurance or a related risk function within financial services, payments or fintech.
• Practical understanding of UK and EEA due diligence requirements, with familiarity across the US, Canada, Singapore, Hong Kong, UAE, Australia and New Zealand.
• Demonstrated ability to design, implement or materially improve a QC, QA, control testing or file review framework.
• Strong reporting and data skills, including spreadsheets, pivot tables and clear management reporting.
• Effective stakeholder management and influencing skills, including the persistence to chase remediation and escalate overdue or repeat issues appropriately.
• Experience delivering training or coaching based on quality control findings.

Nice to Have:

• Direct exposure to underwriting or due diligence in a merchant acquiring setting.
• Familiarity with case management and CRM tools, dashboard platforms.
• A relevant degree or equivalent practical experience; recognised AML, financial crime or compliance qualifications are beneficial but not mandatory.

We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver.

Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.