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For Companies At a Glance
- Tasks: As an Underwriting Officer, you'll assess risk and make decisions on payment applications.
- Company: Join Trust Payments, a leading fintech company revolutionising payment solutions in the UK and Malta.
- Benefits: Enjoy competitive salary, hybrid work options, and a range of corporate perks.
- Why this job: Be part of a dynamic team that values innovation and offers impactful career growth.
- Qualifications: Ideal candidates should have strong analytical skills and a keen interest in finance.
- Other info: This is a full-time permanent role based in London, with a vibrant office culture.
The predicted salary is between 28800 - 42000 £ per year.
Job Description
Trust Payments has an exciting opportunity for an Underwriting Officer to join our team.
Location: London, UK (Hybrid), EC3V 3DGSalary: Competitive + Benefits
Job Type: Full – Time Permanent
About Us:
Trust Payments is an MFSA-regulated in Malta; and an FCA-regulated company in the UK. We provide a range of payments and commerce solutions, with market-leading technology and data insights.
We offer innovative payment methods and cutting-edge technologies, with a truly global presence. Our global offices cater to the most demanding business sectors, including gaming, retail, travel, hospitality, forex, and financial services.
We have a passionate, collaborative, and diverse culture that recognises that every employee contributes to our business success.
Underwriting Officer – The Role:
We are seeking an experienced Senior Underwriter to join our Risk Management team. This role is essential in evaluating merchant applications, assessing risk profiles, and making informed underwriting decisions to protect the company whilst assisting business growth. The Senior Underwriter will review and complete underwriting and credit analysis of applications by applying sound underwriting judgement and adhering to company policy. You will also support the Underwriting Team Lead in communicating company goals and deadlines, as well as helping to develop junior team members and train new starters.
Underwriting Officer – Key Responsibilities:
– Evaluate merchant applications for payment processing services, conducting thorough risk assessments
– Analyse financial statements, business models, and credit reports to determine merchant risk levels
– Make independent underwriting decisions based on established risk criteria and company policies
– Review high-risk or complex merchant applications, providing recommendations
– Collaborate with Sales, Compliance and Fraud teams to balance risk management with business objectives
– Stay current with industry regulations, card scheme rules and emerging fraud trends
– Assist junior underwriters and contribute to the development of underwriting policies
– Prepare detailed reports on underwriting activities and risk metrics
Underwriting Officer – You:
– 3-5 years of underwriting experience within merchant acquiring, payment processing or financial services, with a strong preference for B2B underwriting experience
– Knowledge of card scheme regulations (Visa, Mastercard) and payment industry compliance requirements
– Analytical skills with ability to interpret financial statements and assess business viability
– Experience with AML/KYC procedures and fraud detection methodologies
– Bachelor's degree in Finance, Business, Economics or related would be beneficial
– Experience underwriting high-risk merchant categories (ideally including crypto, gambling, and other regulated sectors) with knowledge of appropriate risk mitigation strategies
– Experience with underwriting automation systems and risk scoring models
– Analytical skills to identify and assess potential fraud and compliance issues
Underwriting Officer – Benefits:
Our robust benefits package includes (subject to local office benefits policy):
– Be part of a dynamic, market-leading Fintech experiencing rapid growth
– Flexible work arrangements tailored to role requirements and business needs
– Comprehensive wellness initiatives, including mental health resources assisted by internally qualified mental health first aiders
– Extensive leave provisions, encompassing annual, volunteering, and birthday allowances
– Progressive family-oriented policies and benefits, including Maternity, Paternity and Adoption Leave
– Robust compensation package, including pension scheme, healthcare plans, and life assurance
– Regular corporate events fostering team cohesion and company culture
– Diverse company culture and global working environment
– Continuous professional development and career advancement opportunities
Trust Payments is an Equal Opportunities EmployerWe’re a growing business committed to building an inclusive workplace where everyone can thrive. We value individuality and believe diverse perspectives drive innovation. That’s why we encourage authenticity and welcome different views, recognising that one size doesn’t fit all. We offer equal employment opportunities to all, regardless of race, religion, gender, age, sexual orientation, disability, or any other protected characteristic. If you need any adjustments to assist your application, please get in touch.
Application Process:
Ready to revolutionise fintech If you're excited about this opportunity, we'd love to hear from you!
To submit your application for this Underwriting Officer opportunity, please click 'Apply’ now.
Underwriting Officer employer: Trust Payments
Contact Detail:
Trust Payments Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriting Officer
✨Tip Number 1
Familiarise yourself with the latest trends in payment solutions and underwriting practices. This knowledge will not only help you during interviews but also demonstrate your genuine interest in the industry.
✨Tip Number 2
Network with professionals in the payments and finance sector. Attend industry events or join relevant online forums to connect with people who can provide insights or even refer you to opportunities at Trust Payments.
✨Tip Number 3
Prepare for potential interview questions by practising your responses to common underwriting scenarios. Being able to articulate your thought process and decision-making skills will set you apart from other candidates.
✨Tip Number 4
Research Trust Payments thoroughly, including their values, mission, and recent news. Tailoring your conversation to align with their goals will show that you're not just looking for any job, but that you're genuinely interested in being part of their team.
We think you need these skills to ace Underwriting Officer
Some tips for your application 🫡
Understand the Role: Read the job description for the Underwriting Officer position carefully. Make sure you understand the key responsibilities and required skills, as this will help you tailor your application.
Tailor Your CV: Customise your CV to highlight relevant experience and skills that align with the underwriting role. Use specific examples from your past work that demonstrate your ability to assess risk and make informed decisions.
Craft a Compelling Cover Letter: Write a cover letter that not only introduces yourself but also explains why you are a great fit for Trust Payments. Mention your understanding of their services and how your background aligns with their needs.
Proofread Your Application: Before submitting, thoroughly proofread your CV and cover letter. Look for any spelling or grammatical errors, and ensure that your documents are clear and professional.
How to prepare for a job interview at Trust Payments
✨Understand the Company
Before your interview, make sure to research Trust Payments thoroughly. Familiarise yourself with their services, values, and recent news. This will help you demonstrate your genuine interest in the company and how you can contribute to their goals.
✨Know Your Underwriting Basics
Brush up on your underwriting knowledge and be prepared to discuss key concepts relevant to the role. Be ready to explain your approach to risk assessment and decision-making, as this will showcase your expertise and suitability for the position.
✨Prepare for Behavioural Questions
Expect behavioural questions that assess your problem-solving skills and teamwork. Use the STAR method (Situation, Task, Action, Result) to structure your answers, providing clear examples from your past experiences that highlight your capabilities.
✨Ask Insightful Questions
At the end of the interview, have a few thoughtful questions ready to ask the interviewer. This shows your enthusiasm for the role and helps you gauge if the company culture aligns with your values. Consider asking about team dynamics or future projects.