Senior Underwriter - Credit Expertise

Apply for the Senior Underwriter - Credit Expertise role at Dojo. Be among the first 25 applicants.

Location: Agrate Brianza, Lombardy, Italy.

We’re reinventing payments. In less than four years, Dojo disrupted the market to become the largest and most loved acquirer in the UK. Our payments infrastructure, purpose-built for in‑person commerce, is game changing. Now, over 150,000 customers across four countries choose to transact billions with us every year. But we’re just getting started. Our people are the driving force behind our success.

The Role

As the Italian Market Senior Underwriter, you will play a critical role in protecting Dojo from financial, fraud, and reputational risks while enabling sustainable growth in the Italian market.

What You Will Do

• Lead complex underwriting cases: assess and recommend on complex Italian merchant applications involving significant credit risk exposure, enterprise clients, high‑risk industries, and bespoke financial arrangements.
• Exercise decision authority with deep understanding of acquiring risks, card scheme regulations, and the chargeback process.
• Perform detailed credit assessments using expert analysis of Italian financial accounts, balance sheets, and cash flow statements.
• Navigate multi‑jurisdictional and complex Italian ownership structures during KYC/KYB reviews.
• Make decisions within your delegated underwriting authority and recommend cases beyond your limit to appropriate sanctioning levels, providing clear rationale and documentation.
• Act as the SME for credit risk, coaching, guiding and training underwriters and associates.
• Support BAU operations through task allocation, prioritisation and workflow monitoring.
• Partner with Commercial Leads, Legal, Compliance and the Italian Country Manager to resolve high‑impact underwriting queries and influence commercial strategies.
• Collaborate directly with the Legal team on reviewing, negotiating and finalising contractual arrangements and security requirements for high‑risk or custom merchant onboarding.
• Represent the risk function in cross‑functional projects, system upgrades, automation initiatives and product launches.
• Drive continuous improvement by contributing to local underwriting policies, process enhancements and risk tooling.
• Identify and mitigate fraud, AML or reputational risk indicators associated with Italian applicants.

What You Will Bring

• Extensive underwriting and credit risk experience in payments, banking or financial services, with a proven background in credit analysis.
• Strong understanding of credit, fraud, AML risks, card scheme regulations and chargeback processes.
• Degree‑qualified (or equivalent) in Finance, Economics or related discipline; relevant certifications desirable.
• Fluency in Italian and English.
• Experience working under your own delegated underwriting authority and handling senior‑level escalations.
• Commercial acumen: balance risk and growth, offering solutions that enable strategic onboarding without compromising control integrity.
• Motivated to develop others through mentorship and thought leadership.

Work Environment

We believe our best work happens when we collaborate in‑person. These “together days” foster communication, drive innovation and spark brilliant ideas. We have an office‑first culture, working from the office 4+ days per week across our European offices with quiet zones and collaboration spaces.

Our Values

• You’re curious. You have a real desire to learn and create.
• You’re relentless. You keep going even when it’s easier not to.
• You’re customer‑obsessed. You know how important customers are to what you do.

Diversity, Equity, and Inclusion

We serve over 150,000 places across the UK. Our drive to improve diversity, equity, and inclusion is closely linked to helping employees thrive and innovating for better customer experiences. If you care about your work, are curious, and think customer‑first, you have a place at Dojo. Let us know if you need any adjustments to help you thrive during the recruitment process.