Underwriting Analyst II - Enterprise Payments

The role

You will analyze enterprise-scale applications and evaluate credit exposure for high-value merchants. You will work at the intersection of Risk, Sales, and Legal to balance risk with commercial opportunity.

What you will do

• Analyze enterprise-scale applications and apply creative evaluation techniques.
• Underwrite merchants in high-risk lines of business including travel, ticketing, securities, and gaming.
• Calculate credit exposure dynamically.
• Dissect P&Ls, balance sheets, and cash flow statements.
• Synthesize micro and macro risks into recommendations for Senior Management, the Credit Risk Committee, and partner banks.
• Join Sales and Account Management on customer calls as a trusted advisor.
• Assess and process applications for Pay to Card and Pay to Bank solutions.
• Contribute to broader departmental projects and process improvements.

Required qualifications

• 4+ years of experience in merchant underwriting or a closely related financial analysis role.
• Expert-level ability to assess diverse business models, analyze financial statements, and identify credit risk exposure.
• Excellent communication skills.
• Strong escalation management skills.

Nice to have

• Familiarity with Customer Due Diligence, KYC, and KYB protocols

About the company

Checkout.com builds global payment infrastructure for innovative businesses. The company has 20 offices across six continents and is headquartered in London.