Senior Analyst, Enterprise Underwriting

0026 Checkout Technology Ltd; Greater London; On-site; GBP 50,000 - 70,000; Full time

Job summary

0026 Checkout Technology Ltd is looking for a highly motivated and experienced Senior Analyst to join our Underwriting team in London. You will be responsible for underwriting enterprise applications, focusing on Due Diligence and Credit Exposure.

The ideal candidate will have over 5 years of experience in credit analysis, a degree in a relevant field, and a strong understanding of accounting principles. This position offers a dynamic work environment with opportunities for mentoring junior staff.

Qualifications

• 5+ years of experience in merchant underwriting, credit analysis, or a similar role.
• Proven ability to assess business models and identify credit risk exposures.
• Strong understanding of accounting principles and financial statement analysis.

Responsibilities

• Conduct in-depth business model analysis to achieve desired results.
• Prepare summaries to assess micro and macro risks.
• Represent Underwriting in customer calls alongside sales.

Skills

Merchant underwriting experience

Credit analysis

Financial statement analysis

Communication skills

Risk assessment

Education

Degree in Accounting, Finance, Economics, Statistics, or Mathematics

Job description

Job Description

We are seeking a highly motivated and experienced Senior Analyst to join our dynamic Underwriting team in London. You will be part of a team responsible for underwriting enterprise customer applications with an emphasis on Due Diligence, Credit Exposure, and Financial Analysis.

Responsibilities

• Conduct in‑depth business model analysis in line with internal policy guidelines and apply complex evaluation techniques to achieve the desired results for complex deals.
• Conduct proficient analysis of P&L, balance sheet, and cash flow statements of complex business models and demonstrate a competent understanding of accounting principles.
• Assess credit risk for a diverse portfolio of businesses, including those in higher‑risk industries such as travel, subscriptions, and gaming.
• Prepare persuasive summaries to assess micro and macro risks, mitigants, and make balanced recommendations to present to management and the Credit Risk Committee.
• Represent Underwriting in attending customer calls and meetings alongside Sales or Account Management.
• Approve teammates’ credit submissions in line with delegated approval authority.
• Proactively identify operational issues and areas for improvement, and make detailed recommendations on how to improve the merchant onboarding experience.
• Foster a culture of collaboration with key internal stakeholders, in particular Sales, first and second line Risk personnel, and Legal.
• Act as a mentor to junior team members through training initiatives and credit approvals.
• Participate in Underwriting projects and initiatives.

Qualifications

• 5+ years of experience in merchant underwriting, credit analysis, or a similar role.
• Degree in Accounting, Finance, Economics, Statistics, Mathematics, or equivalent experience required.
• Strong understanding of accounting principles and financial statement analysis.
• Proven ability to assess business models and identify credit risk exposures.
• Excellent written and verbal communication skills.
• Demonstrated ability to make sound judgment, balancing risk and reward.
• Experience within Customer Due Diligence (KYC and KYB).
• Adopt a customer‑first mindset to deliver creative solutions and act with urgency to ensure escalations are prioritized, owned, and resolved effectively.
• High‑performance mindset defined by rigorous discipline and execution intensity.
• Ability to work independently and as part of a team in a fast‑paced environment.
• Leading by example, demonstrating core values and operating principles in everything you do.

Bonus Qualifications

• Experience in the payments industry.
• Experience coaching or mentoring junior team members.
• Expertise in a specific industry vertical.
• Fluency in an additional European language (ideally Spanish, French, or German).