Commercial Credit Risk Analyst

Há 6 dias


São Paulo, São Paulo, Brasil JustiFi Tempo inteiro

Job Summary

JustiFi, a fintech company, is seeking a skilled Commercial Underwriter to join our team and contribute to building our exceptional platform. As a key member of our underwriting team, you will work alongside other Underwriters to underwrite businesses to onboard as merchants processing cards on Visa, MasterCard, etc.

Key Responsibilities

  • Review merchant applications in accordance with the credit policy to ensure compliance with organizational goals and objectives.
  • Interpret financial documents to build supportive credit recommendations, utilizing your expertise in financial analysis and risk assessment.
  • Communicate effectively with merchants and partners to ensure seamless onboarding and customer satisfaction.
  • Monitor transaction flags in accordance with the risk policy to identify potential risks and take corrective action.
  • Continuously refine tools and processes to meet the evolving needs of our portfolio.
  • Perform other underwriting-related duties as assigned by the Underwriting Manager.

Requirements

  • Minimum three (3) years of experience in merchant and/or payment processing in the financial, ISO, or agent environment.
  • Demonstrated expertise in financial statement analysis, including balance sheets, P&Ls, and cash flow statements.
  • Proven ability to interpret financial statements and identify credit risk and mitigants.
  • Ability to work in a fast-paced environment and adapt to changing circumstances.
  • Excellent communication and interpersonal skills, with the ability to interact effectively with business owners and executives.
  • Independently takes ownership of process and policy improvements to drive business growth and success.

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