Underwriting Analyst

2 semanas atrás

São Paulo, São Paulo, Brasil Unlimit Tempo inteiro

Join to apply for the Underwriting Analyst (Fintech risks) role at Unlimit .

Get AI-powered advice on this job and more exclusive features.

About Unlimit

Founded in 2009, Unlimit is a global fintech company that offers a large portfolio of financial services, including payment processing, banking as a service (BaaS), and an on&off-ramp fiat solution for crypto, DeFi, and GameFi. The company's mission is to deliver solutions that eliminate financial borders, enabling businesses to operate both locally and internationally across Europe, the UK, LATAM, APAC, India, and Africa. Unlimit has 700 employees across 16 offices and five continents, including London, Singapore, São Paulo, Hong Kong, and Mexico. For further information, please visit: .

Job purpose

The Underwriting analyst will review and complete underwriting and credit analysis of applications by applying sound underwriting judgment and adhering to company policy. You will be responsible for reviewing potential and existing merchants from a risk, regulatory, and compliance perspective. Part of this role also involves facilitating the company's growth by scaling internal processes and focusing on continuous optimization and automation.

Main duties and responsibilities
  1. Ensure adherence to Company and Card Schemes rules and policies.
  2. Follow underwriting standards, instructions, and best practices to minimize risk and maximize efficiency.
  3. Perform underwriting and risk assessment, including credit risks, of new and existing customers.
  4. Calculate financial risk exposure and implement relevant risk mitigation measures.
  5. Set up processes, monitor, and execute checks related to merchant onboarding and monitoring.
  6. Evaluate and refine existing procedures to optimize merchant onboarding and monitoring processes.
  7. Provide advice and support to internal stakeholders regarding merchant onboarding questions.
  8. Support periodic reviews and audits.
  9. Engage in continuous process improvement and share best practices.
Main qualifications, skills, and experience
  1. At least 3 years of experience in acquiring and underwriting merchants.
  2. Understanding of AML, KYC, PCI, and Internal Controls.
  3. Knowledge of Card Schemes rules and regulations concerning merchant onboarding and monitoring.
  4. Solid practical knowledge of credit risk assessment.
  5. Extremely detail-oriented, organized, and capable of multitasking.
  6. Ability to work independently and collaboratively, sharing ideas to improve teamwork.
  7. Proactive, owning, and willing to challenge the status quo.
  8. Self-starter who thrives in a fast-paced environment.
  9. Excellent written and verbal communication skills; fluency in English required.
  10. Strong analytical skills to identify potential fraud and compliance issues.
  11. Proven skills in risk assessment with appropriate escalation when needed.
We offer
  1. Attractive monthly salary commensurate with experience.
  2. Modern workplace with all necessary equipment based in São Paulo, Brazil.
  3. Opportunity to learn from a team of top international professionals.
  4. Multicultural working environment.

Please submit CVs in English.

Join the Unlimit team now

Unlimit is an equal opportunity employer. We believe that a diverse workforce is central to our success. We make recruiting decisions based on experience and skills. We welcome applications from all members of society regardless of age, sex, disability, sexual orientation, race, religion, or belief.

Seniority level
  • Not Applicable
Employment type
  • Full-time
Job function
  • Finance and Sales
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