Senior Analyst, Underwriting Operations Paris

Checkout.com is one of the most exciting fintechs in the world. Our mission is to enable businesses and their communities to thrive in the digital economy. We’re the strategic payments partner for some of the best known fast-moving brands globally such as Wise, Hut Group, Sony Electronics, Homebase, Henkel, Klarna and many others. Purpose-built with performance and scalability in mind, our flexible cloud-based payments platform helps global enterprises launch new products and create experiences customers love.

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.

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 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 German or Spanish.

Additional Information

If you don’t meet all the requirements but think you might still be right for the role, please apply anyway. We’re always keen to speak to people who connect with our mission and values. We believe in equal opportunities. We work as one team. Wherever you come from. However you identify. And whichever payment method you use. Our clients come from all over the world — and so do we. Hiring hard-working people and giving them a community to thrive in is critical to our success. When you join our team, we’ll empower you to unlock your potential so you can do your best work. We’d love to hear how you think you could make a difference here with us. We want to set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. We’ll be happy to support you.