Risk Analyst

Motive; Islamabad, Lahore; Hybrid; PKR 16,662,000 - 24,993,000; Full time

Job summary

Motive is seeking an experienced underwriter to join the Risk Management team. You will assess financial risk for new and existing customers, reviewing statements, bank data, and credit reports, and collaborate with sales, data science, and product teams to improve customer experiences.

You will analyze financial documents, communicate application status, and determine approvability within policy guidelines, while upholding compliance and risk controls across the underwriting lifecycle.

Qualifications

• 2–3+ years of underwriting experience in financial services, high-growth payments, or fintech.

Responsibilities

• Collect, review and analyze applicants' financial data and records.
• Communicate with clients & sales about application status.
• Explain why additional documents are needed to determine creditworthiness.
• Decide to approve, decline, or seek an exception per policy guidelines.
• Make timely quality decisions within SLA.
• Perform portfolio management and flag suspicious items.
• Suggest policy and process improvements to mitigate failures.
• Bank statement analysis and risk ratio analysis with underwriting memo.

Skills

Underwriting

Financial risk

Analytical skills

Independent work

Communication

Regulatory compliance

Quantitative analysis

Organization

Banking underwriting

Mathematical proficiency

Job description

Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. For the first time ever, safety, operations and finance teams can manage their drivers, vehicles, equipment, and fleet related spend in a single system. Combined with industry leading AI, the Motive platform gives you complete visibility and control, and significantly reduces manual workloads by automating and simplifying tasks.

Motive serves nearly 100,000 customers – from Fortune 500 enterprises to small businesses – across a wide range of industries, including transportation and logistics, construction, energy, field service, manufacturing, agriculture, food and beverage, retail, and the public sector.

We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making decisions based on policy guidelines. You should have experience and subject matter expertise in financial services, end-to-end underwriting lifecycle, portfolio management, bank statement and financial decisioning, and risk assessment.

You’ll evaluate applications, perform analysis that mitigate financial risk, and make timely and accurate decisions on application outcomes. The successful candidate will work as a member of our Risk Organization and collaborate with members from our sales, data science, product management, and other stakeholders to deliver best in class customer experience.

What You'll Do:

• Collect, review and analyze applicants' relevant financial, demographic, and historic information and records. This includes, but is not limited to, analysis of business financial statements such as balance sheets, income statements and cash flow statements, bank statements, and credit reports
• Directly communicate with clients & sales about application status
• Clearly articulate why and when additional documents are needed in order to determine a client's creditworthiness
• Make determination whether to approve, decline or seek an exception for an application based on policy guidelines
• Make quality decisions in a timely and efficient manner within expected SLA
• Perform portfolio management, evaluating and identifying suspicious or questionable items
• Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey
• Bank statement analysis, financial spreading and risk ratio analysis culminating with underwriting memo

What We're Looking For:

• 2-3+ years of underwriting experience in financial services, high-growth payments, or fintech company
• Strong critical reasoning, problem solving and analytical skills
• Ability to work independently and thrive in a collaborative team environment
• Excellent oral and written communication skills
• Familiar with fundamentals of financial risk assessment
• Familiar with the U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act)
• Experience with quantitative and qualitative analysis
• Strong organization, and time management skills
• Proven experience with bank based & financial underwriting
• Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.

Please review our Candidate Privacy Noticehere .

The applicant must be authorized to receive and access those commodities and technologies controlled under U.S. Export Administration Regulations. It is Motive's policy to require that employees be authorized to receive access to Motive products and technology.

All job postings are for existing vacancies. Please note; some interviews or new-hire training sessions may be held in person at one of our global offices.

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