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- Tasks: Analyse complex business models and assess credit risk for diverse portfolios.
- Company: Dynamic underwriting team in a leading financial services company.
- Benefits: Competitive salary, mentorship opportunities, and a collaborative work environment.
- Other info: Opportunity to mentor junior team members and grow within the company.
- Why this job: Make a real impact by driving innovative solutions in a fast-paced industry.
- Qualifications: 5+ years in underwriting or credit analysis; degree in finance or related field.
The predicted salary is between 55000 - 65000 £ 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 that is responsible for underwriting enterprise customer applications with a focus on analysis relevant to Due Diligence, Credit Exposure and Financial Analysis. This role offers a unique exposure to our core business areas, collaborating closely with our key internal players (Business Development, Sales, Risk Legal teams and Senior Management) and our high value merchant and partners.
How you’ll make an impact:
- 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, and 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.
What we’re looking for:
- 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 and knowledge of financial statement analysis.
- 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 as well as ‘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, you will demonstrate our core Values and live out our Operating Principles in everything you do.
Bonus:
- 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 Underwriting London employer: Checkout Ltd
Contact Detail:
Checkout Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Analyst, Enterprise Underwriting Underwriting London
✨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 brand.
We think you need these skills to ace Senior Analyst, Enterprise Underwriting Underwriting London
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 statement analysis. We want to see how your skills align with what we're looking for!
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 a perfect fit. Don’t forget to mention your customer-first mindset and ability to work collaboratively.
Showcase Relevant Experience: When filling out your application, be sure to showcase any relevant experience you have in assessing credit risk or conducting business model analysis. We love seeing concrete examples of how you've made an impact in previous roles!
Apply Through Our Website: We encourage you to apply through our website for the best chance of getting noticed. It’s super easy, and you’ll be able to keep track of your application status. Plus, we love seeing candidates who take that extra step!
How to prepare for a job interview at Checkout Ltd
✨Know Your Numbers
Make sure you brush up on your financial analysis skills. Be prepared to discuss P&L, balance sheets, and cash flow statements in detail. Practise explaining complex business models and how you assess credit risk, as this will show your understanding of the role.
✨Showcase Your Collaboration Skills
Since this role involves working closely with various teams, think of examples where you've successfully collaborated with others. Be ready to share how you’ve fostered relationships with stakeholders like Sales or Risk teams, and how that has led to successful outcomes.
✨Prepare for Scenario Questions
Expect questions that ask you to evaluate a hypothetical business model or assess credit risk in a specific scenario. Practise articulating your thought process clearly and logically, as this will demonstrate your analytical skills and sound judgment.
✨Demonstrate a Customer-First Mindset
Be ready to discuss how you prioritise customer needs while balancing risk. Share examples of how you've delivered creative solutions in past roles, especially in high-pressure situations, to show that you can act with urgency and focus on the customer experience.