We are looking for a Payments Underwriting Analyst that will be responsible for reviewing merchant applications, assessing the risk associated with those applications and monitoring live accounts on an ongoing basis. Using-established underwriting guidelines, you will evaluate various merchants across different verticals.**Please only apply if you have proven experience with UK market and regulations, including payments experience** Thank you!Day to Day:

• Evaluate and assess new applications (SMBs and Sole Traders) according to UNIPaaS guidelines.
• Conduct comprehensive risk assessments of high-profile customers, if necessary, based on an internal risk scoring matrix.
• Assess applicants background information and current financial situation in order to identify the risk involved.
• Communicate with customers through a variety of channels to collect relevant information.
• Perform other due diligence as needed to determine the credibility of the clients.
• Determine approval or declines of new clients’ applications, whenever a special review is required during onboarding.
• Specify any account opening conditions for certain application to ensure regulations are met.
• Review suspicious account activities, analyze trends and take measures to deter fraud once a merchant account has gone live.
• Collaborate with other teams across the group, to ensure a smooth and efficient onboarding experience.
• Provide ongoing support to the Product and Operation teams.

Professional requirements:

• A fundamental understanding of client onboarding and ongoing monitoring, preferably within the payments industry.
• Proven experience (minimum of 2 years) in risk Underwriting, preferably within a similar industry or organization.
• Experience of 2-5 years in the payments or Fintech industry - a must
• An understanding of various business models risk exposure.
• Excellent communication skills, both verbal and written
• An ability to learn and adapt to new technology.
• Diligent and thorough, able to go the extra mile to understand specific cases and examine underlying causes.
• An appetite to learn with an innate curiosity, and ability to think creatively when directives are unstructured or uncertain.
• Be able to think critically about complex problems, appropriately weight many factors and reach a definitive conclusion.
• A strong desire to contribute to the success of UNIPaaS growth plans.
• An understanding of the payments industry, this includes but not limited to: credit cards, APMs, eWallets, etc…

Compensations and perks:

• The salary range for this role is £35,000-40,000 per annum depending on experience.
• 21 days of paid holiday plus 8 bank holidays.
• Ability to work on-site 3 days a week.
• Pension contribution – 3%.
• Laptop and technical equipment is provided.

About UNIPaaS:
UNIPaaS is a global, cloud-based fintech platform designed to respond to the diverse payment needs of your growing businesses. We deliver secure, reliable and compliant ‘as a service’ solutions to scaling digital platforms and merchants.The UNIPaaS solution provides businesses with flexible pay-in/pay-out options both locally and globally. This allows merchants to drive up their margins while sparing them from dealing with the technical and regulatory-hurdles.We have designed an embedded payment stack, built from the ground up to facilitate complex multi-vendor models. Our solution gives platforms the ability to offer a seamless user experience, complete control and transparency, real-time insights, and the strategic value of generating new growth engines by offering additional financial services.

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