Credit Risk Analyst Position

Há 2 dias

Vitória da Conquista, Bahia, Brasil beBeeRiskAssessment Tempo inteiro US$80.000 - US$120.000
Underwriting Specialist

We are seeking an experienced Underwriting Specialist to join our team. As a key member of our Underwriting department, you will be responsible for assessing and managing the risk associated with new and existing merchant relationships.

In this role, you will evaluate merchant applications, review financial statements and business tax returns, and perform analysis to recommend merchant risk ratings. You will also analyze complex corporate structures, beneficial ownership, and licensing requirements, coordinating with the Compliance and Legal teams as needed.

Key Responsibilities:

  • Evaluate merchant applications and supporting documentation to assess credit and reputational risk.
  • Review financial statements and/or business tax returns and performs analysis to recommend merchant's risk ratings.
  • Analyze complex corporate structures, beneficial ownership and licensing requirements, coordinating with the Compliance and Legal teams as needed.
  • Summarize analysis in concise credit memo and complete all required underwriting checklists.
  • Underwrite according to applicable regulations, procedures, and guidelines.
  • Conduct periodic reviews for existing merchants to facilitate ongoing risk monitoring and management.

Requirements:

  • High level of English proficiency both in oral and written communication.
  • Experience in a commercial underwriting role at a fintech, financial institution or payment service provider; experience underwriting complex multinational corporations is a plus.
  • Bachelor's Degree in Accounting, Finance, Economics or related discipline required.
  • Ability to analyze financial, bank, and processing statements to assess credit worthiness of merchants.
  • Familiarity with Know your Customer (KYC), Anti-Money Laundering (AML) and payment processing requirements in North America.
  • Ability to solve practical problems and interpret a variety of data furnished in oral, written, or schedule form.

Benefits:

  • Comprehensive health insurance plan.
  • Meal voucher and supermarket voucher.
  • Home Office Allowance.
  • Wellness program providing access to physical activities and online classes.
  • Discounts on educational institutions and partner stores.
  • Online language courses.
  • Paternity leave.
  • Birthday Off.
  • Flexible working hours/home office policy.
  • Welcome Kit including equipment and additional benefits.
  • Annual bonus based on KPIs and individual performance.

About Us:

We are a global network connecting thousands of merchants to millions of consumers through banks across multiple countries. We prioritize financial responsibility, security, and ease in payments. Our mission drives everything we do, from innovating payment options to expanding our global reach.

We value diversity and inclusion, believing that a fair and equitable society is built on diverse foundations. Our selection process takes place online without distinction of any kind. We offer a welcoming environment with opportunities for growth and development for all team members.

We are committed to redefining the payments experience by delivering exceptional products and unmatched value. If you share our purpose, thrive in fast-paced environments, and are ready to shape the future of payments, we'd love to hear from you.

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