Risk Analyst I

Motive; Pakistan; On-site; PKR 19,358,000 - 30,420,000; Full time

Benefits offered by this job

Equal opportunity employer

Job summary

Motive is seeking an experienced underwriting professional to join the Risk Management team. You will review and assess the financial risk of new and existing customers, and make decisions based on policy guidelines. Collaboration with sales, data science, and product teams will be key to delivering a best-in-class customer experience.

The role requires 2–5 years of underwriting experience in financial services or fintech, plus strong analytical and communication skills.

Qualifications

• 2-5 years of underwriting experience in financial services, high-growth payments, or fintech.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication skills.
• Familiarity with U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, TILA).

Responsibilities

• Review and assess financial risk of new and existing customers.
• Analyze financial statements, bank statements, and credit reports.
• Decide on approval, decline, or exceptions based on policy guidelines.
• Communicate application status with clients and sales.
• Develop and propose policy/process improvements to mitigate risk.

Skills

Underwriting experience

Financial risk assessment

Analytical thinking

Communication skills

Independence and collaboration

Job description

Who We Are

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.

Visit gomotive.com to learn more.

Motive is on a mission to modernize the trucking industry. With the leading fleet management platform, we are bringing trucks online and fundamentally changing the way freight is moved on our roads.

We see our hard work rewarded in tangible ways every day and we believe that intelligence is most powerful when paired with humility. We’re motivated by the opportunity to impact and improve every facet of a trillion-dollar industry that touches everyone’s lives. Motive is proud to be a Forbes Cloud 100 company, a 2020 Career-Launching Company by Wealthfront and named a Forbes Best Startup Employer 2020.

About The Role

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

• 2-5 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 Notice here.

UK Candidate Privacy Notice here.

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.

Regarding US-based roles, depending on your role and primary work location, Motive Technologies, Inc. (“Employer”) discloses candidates may be required to execute a non‑compete covenant with the Employer. This requirement does not apply to lawyers, interns, or employees working in CA, MN, MT, ND, OK, or where otherwise prohibited by law.

Non‑compete covenant terms in all other jurisdictions will be subject to the applicable statutory requirements, including but not limited to, procedures, industry related prohibitions, or salary and compensation thresholds.

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.