Credit Underwriter II (Fintech)

TL;DR

Credit Underwriter II (Fintech): Processing and evaluating merchant applications to support portfolio profitability and risk mitigation with an accent on creditworthiness assessment and fraud detection. Focus on analyzing financial statements, managing risk exposure, and ensuring regulatory compliance.

Company

A leading global provider of payment technology services specializing in merchant credit and risk management.

What you will do

• Process and evaluate low to medium risk merchant applications for new and existing clients.
• Perform risk-based assessments covering fraud, credit, regulatory, and legal risks.
• Analyze credit bureau reports, financial statements, and third-party data to assess repayment capacity.
• Make credit decisions within established approval limits and escalate complex cases to senior management.
• Collaborate with internal stakeholders and merchants to validate application accuracy and consistency.
• Maintain detailed documentation and filing practices to ensure traceability and audit readiness.

Requirements

• Bachelor’s degree in Finance, Accounting, Engineering, or a related field.
• Minimum of 2 years of relevant experience in finance, credit, risk, or underwriting.
• Ability to read and interpret credit bureau reports and financial statements.
• Strong data analysis skills applied to decision-making and high attention to detail.
• Intermediate Excel skills for analysis, validation, and data management.

Nice to have

• Intermediate English proficiency.
• Strong analytical and problem-solving skills.
• Results-driven mindset with focus on KPIs and SLA compliance.