Underwriting Analyst II - Enterprise Payments

Company Description

We’re Checkout.com. You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day.

We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers.

Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale.

If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact.

With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech - and we’re just getting started.

At Checkout.com, we build the global payment infrastructure that empowers the world’s most innovative businesses to thrive. We are looking for an exceptional Underwriter to join our New York team and play a pivotal role in our growth.

In this role, you won’t just be ticking boxes - you will be a strategic partner. You will dive deep into complex enterprise business models, evaluate credit exposure, and balance risk with commercial opportunity. Operating at the intersection of Risk, Sales, and Legal, you will get unique, cross-functional exposure while working directly with some of our highest-value merchants.

How You’ll Make an Impact

• Deconstruct Complex Business Models: Analyze enterprise-scale applications and apply creative evaluation techniques to unlock high-value, complex deals while adhering to internal risk guidelines.

• Navigate High-Stakes Verticals: Confidently underwrite merchants in high-risk lines of business, including travel, ticketing, securities, and gaming.

• Quantify & Mitigate Risk: Calculate credit exposure dynamically, tailoring your approach to the specific nuances of each merchant.

• Drive Financial Diligence: Dissect P&Ls, balance sheets, and cash flow statements, applying a deep understanding of accounting principles to assess financial health.

• Advise & Influence: Synthesize complex micro and macro risks into clear, balanced recommendations. You will present these insights directly to Senior Management, the Credit Risk Committee, and our partner banks.

• Be the Face of Underwriting: Join forces with Sales and Account Management on customer calls, acting as a trusted advisor to our clients.

• Enable Next-Gen Payouts: Assess and process applications for our innovative Pay to Card and Pay to Bank solutions.

What We’re Looking For

• Proven Expertise: 4+ years of experience in merchant underwriting or a closely related financial analysis role.

• Financial Acumen: Expert-level ability to assess diverse business models, analyze financial statements, and identify credit risk exposure.

• A "Customer First" Mindset: Excellent communication skills with a knack for delivering creative, commercial solutions without compromising risk standards.

• Collaborative Drive: A true champion of our "One Team" culture who builds bridges across cross-functional departments.

• Decisive Execution: Strong escalation management skills - you act with urgency, take ownership, and resolve roadblocks effectively.

• An Innovator's Spirit: A passion for operational excellence and a desire to actively contribute to broader departmental projects and process improvements.

• Bonus Points: Familiarity with Customer Due Diligence, KYC, and KYB protocols is a strong plus.

Additional Information

Bring all of you to work

We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram