Job Description

We are looking for a Credit Risk Underwriter to help manage chargeback risk for some of the largest sellers processing on Square and Afterpay. You will work with our Sales teams throughout the onboarding process to provide a seamless seller experience ensuring appropriate risk assessment and controls. You will have commercial credit underwriting skills, and take joy in scouring financial statements to understand a company’s business model, key risks, and mitigating factors. Additionally, they help partners navigate the risk experience. Lastly, they will take every opportunity to improve our operations and our people.

Job Responsibilities

• Conduct in-depth credit reviews of our highest-risk sellers, including preparing credit memorandums for approval by senior management
• Lead due diligence calls with prospective and existing sellers to ensure that key risks are fully understood and mitigated
• Work closely with partners in Sales, Account Management, and Finance & Strategy
• Present to Credit Committees and partners; effectively represent Credit Risk team and perspectives
• Support principled risk-taking in emerging products and markets by building frameworks for credit analysis 
• Contribute to the development of credit policies and add structure
• Proactively identify ways to improve our underwriting and operations; and collaborate to build strategic programs 
• Share insights and expertise with the team; promote accountability for team-level and individual results

Qualifications

• 2+ years of experience in commercial banking, credit, or payment industries
• Advanced commercial credit underwriting skills, including complex financial statement analysis
• Familiarity with diverse risk management tools and techniques
• Strong professional communication skills internally and externally; able to work with clients to understand their business and gather information
• Data skills and ability to translate findings into interpretable business case
• Intermediate Excel (can perform complex functions) /Sheets required; SQL a plus