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- Tasks: Lead underwriting strategy and assess client risks in a fast-paced payments environment.
- Company: Join a dynamic Electronic Money Institution at the forefront of digital payments in Central London.
- Benefits: Enjoy competitive pay, career growth opportunities, and a collaborative work culture.
- Why this job: Shape the future of secure payment solutions while making a real impact in the fintech industry.
- Qualifications: Strong experience in underwriting or risk, ideally in payments or fintech, with excellent analytical skills.
- Other info: This is a full-time, mid-senior level role based onsite in London.
The predicted salary is between 43200 - 72000 £ per year.
1 day ago Be among the first 25 applicants
This range is provided by InterQuest Group. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range
Direct message the job poster from InterQuest Group
Recruitment Consultant- Risk, Regulation and Compliance
About the Role
An exciting opportunity has opened up for an experienced Underwriter to join a dynamic and fast-scaling Electronic Money Institution (EMI) based in Central London. Operating at the forefront of digital payments, this organization is committed to delivering secure, scalable, and compliant payment solutions for a diverse client base. As part of the Risk & Compliance function, you’ll play a key role in shaping the underwriting strategy, supporting client onboarding, and driving sustainable business growth.
What You’ll Be Doing
This role is based onsite in London and will involve building and evolving the underwriting framework to support business expansion. You’ll lead efforts to assess financial crime risk, creditworthiness, operational robustness, and reputational factors of prospective and existing clients. Collaborating across compliance, sales, onboarding, and operations teams, your goal will be to ensure thorough risk assessment and smooth onboarding processes.
Key Responsibilities:
- Develop and enhance underwriting policies and procedures aligned with business objectives
- Assess new and existing clients across various industries
- Evaluate business models, ownership structures, and financial information to identify risk
- Conduct in-depth analysis of financial statements including P&L, balance sheets, and cash flow
- Identify and escalate financial crime or regulatory concerns
- Collaborate with compliance teams to ensure AML, CTF, and regulatory requirements are met
- Prepare concise and insightful risk assessments and recommendations for internal stakeholders and committees
- Monitor client risk profiles and conduct periodic reviews
- Maintain and update relevant policies and procedural documentation
- Support recruitment, mentoring, and development of underwriting team members
What We’re Looking For:
- Strong experience in underwriting, onboarding, or risk, ideally in payments, fintech, banking, or EMI environments
- Strong understanding of the payments landscape and related risk considerations
- Familiarity with UK regulatory requirements (FCA, AML, KYC, etc.)
- Proven ability to interpret financials and assess complex business structures
- Strong analytical skills with excellent attention to detail and sound judgment
- Ability to communicate risk insights clearly and effectively to various stakeholders
- Proactive, adaptable, and comfortable working in a fast-paced environment
- Experience leading or mentoring a team
- Exposure to high-risk sectors
- Knowledge of card scheme rules (Visa/Mastercard)
- Familiarity with tools such as Sumsub, WorldCheck, Webshield
- Relevant certifications in compliance or risk (e.g. ICA or equivalent)
Seniority level
-
Seniority level
Mid-Senior level
Employment type
-
Employment type
Full-time
Job function
-
Job function
Finance
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Head of Underwriting- Payments (London) employer: InterQuest Group
Contact Detail:
InterQuest Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Underwriting- Payments (London)
✨Tip Number 1
Network with professionals in the payments and fintech sectors. Attend industry events, webinars, or local meetups to connect with potential colleagues or mentors who can provide insights into the role and company culture.
✨Tip Number 2
Familiarise yourself with the latest trends and regulations in the payments landscape, especially those related to AML and KYC. This knowledge will not only help you in interviews but also demonstrate your commitment to staying updated in a fast-evolving industry.
✨Tip Number 3
Prepare to discuss specific examples of how you've successfully assessed financial risks and developed underwriting strategies in previous roles. Tailoring your experiences to align with the responsibilities outlined in the job description will make you stand out.
✨Tip Number 4
Showcase your leadership skills by discussing any experience you have in mentoring or developing teams. Highlighting your ability to lead in a fast-paced environment will resonate well with the hiring team at StudySmarter.
We think you need these skills to ace Head of Underwriting- Payments (London)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting, risk assessment, and the payments landscape. Use specific examples that demonstrate your analytical skills and understanding of regulatory requirements.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss how your background aligns with the key responsibilities listed in the job description, particularly your experience with financial crime risk and compliance.
Highlight Relevant Skills: Emphasise your strong analytical skills, attention to detail, and ability to communicate risk insights effectively. Mention any relevant certifications you hold, such as ICA or equivalent, to strengthen your application.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any spelling or grammatical errors. A polished application reflects your professionalism and attention to detail, which are crucial in the underwriting field.
How to prepare for a job interview at InterQuest Group
✨Know Your Underwriting Fundamentals
Make sure you have a solid understanding of underwriting principles, especially in the context of payments and fintech. Be prepared to discuss how you would develop and enhance underwriting policies that align with business objectives.
✨Demonstrate Analytical Skills
Prepare to showcase your analytical skills by discussing past experiences where you assessed financial statements or evaluated complex business structures. Highlight your attention to detail and sound judgment in identifying risks.
✨Familiarise Yourself with Regulatory Requirements
Brush up on UK regulatory requirements such as FCA, AML, and KYC. Be ready to explain how you would ensure compliance while conducting risk assessments and onboarding processes.
✨Communicate Effectively
Practice articulating your risk insights clearly and effectively. You may need to present your findings to various stakeholders, so being able to communicate complex information in an understandable way is crucial.
