Senior Merchant Risk Analyst & Underwriting

Razer; Shah Alam; On-site; MYR 85,000 - 130,000; Full time

Job summary

Join Razer as a Senior Merchant Risk Analyst to lead risk assessments for high-risk merchants, ensuring regulatory compliance and financial safety. This role offers impactful work with accountability in mentoring junior staff while enhancing risk management strategies in a dynamic e-commerce environment.

Qualifications

• 5+ years experience in risk analysis or underwriting, preferably in e-commerce.
• Proven track record in handling complex risk assessments.
• Professional certifications in risk management are preferred.

Responsibilities

• Conduct and manage complex risk evaluations and approvals.
• Mentor junior analysts and support team performance.
• Develop and refine risk management policies for compliance.

Skills

Risk Management

Decision-Making

Data Analysis

Communication

Education

Bachelor’s Degree in Finance, Business Administration, Economics, or Risk Management

Tools

Risk Management Tools

Job description

Joining Razer will place you on a global mission to revolutionize the way the world games. Razer is a place to do great work, offering you the opportunity to make an impact globally while working across a global team located across 5 continents. Razer is also a great place to work, providing you the unique, gamer-centric #LifeAtRazer experience that will put you in an accelerated growth, both personally and professionally.

Job Responsibilities : The Senior Merchant Risk Analyst & Underwriting role is responsible for managing complex risk evaluations and ensuring robust risk management strategies are in place for high-risk merchants. This position involves conducting in-depth assessments of new and existing merchants, leading Enhanced Due Diligence (EDD), and making high-level decisions to safeguard the company’s financial interests and regulatory compliance. The Senior Analyst will collaborate closely with internal teams, mentor junior analysts, and serve as a key decision-maker in escalated risk cases.

Lead Risk Assessment & Underwriting:

• Evaluate and underwrite complex merchant applications, including high-risk industries and high-value accounts.
• Conduct Enhanced Due Diligence (EDD) and perform in-depth reviews of business models to identify potential risk factors.
• Approve or decline merchant applications based on thorough analysis and strategic risk considerations.

Advanced Portfolio Monitoring & Management:

• Perform ongoing risk assessments and detailed reviews of the merchant portfolio, flagging high-risk behaviors.
• Oversee Ongoing Due Diligence (ODD) and ensure all high-risk merchants meet regulatory and compliance requirements.

Assist in Team Management & Mentoring:

• Assist the Manager in leading the underwriting team, providing daily support and direction.
• Mentor junior analysts by reviewing their work, offering feedback, and providing training on complex cases.
• Support team performance by ensuring adherence to best practices and risk management policies.

Policy and Process Enhancement:

• Develop and refine underwriting and risk management policies to ensure compliance with industry standards.
• Implement process improvements to enhance the efficiency and effectiveness of risk assessments.

Stakeholder Engagement & Reporting:

• Serve as the primary contact for escalated risk cases, providing clear analysis and strategic recommendations.
• Collaborate with Sales, Operations, and Compliance teams to support business needs and strategic decisions.
• Prepare and present comprehensive risk reports and insights for senior management.

Pre-Requisites :

Pre-Requisites:

• Bachelor’s Degree in Finance, Business Administration, Economics, Risk Management, or a related field.
• Professional certifications in risk management, compliance, or fraud prevention are strongly preferred.
• 5+ years of experience in risk analysis, underwriting, or a related field, ideally within the e-commerce or payments industry.
• Proven track record handling complex risk assessments and high-risk merchant cases.
• In-depth understanding of risk management principles, fraud detection, and compliance standards.
• Strong decision-making capabilities with the ability to evaluate high-impact cases.
• Proficiency in using risk management tools and advanced data analysis.
• Excellent communication skills for stakeholder management and mentorship.
• Ability to work independently and lead initiatives within a fast-paced environment.
• Willingness to work in I-City, Shah Alam.

Are you game?