Job Description

:The goal of the Risk and Underwriting Department is to mitigate financial loss to the company through proactive merchant review and analysis. This position reports to the Regional Director, Risk & Underwriting Operations.The Credit Risk Underwriter will proactively review incoming merchant applications for Fraud and Credit Risk and analyze said referrals to qualify their credit worthiness.The Candidate will utilize a host of tools to review and analyze merchant activity, business structure, and financial exposure. This information will be used to decision individual accounts.Main Duties / Responsibilities\xc2\xb7 Review merchant applications and determine if main activity falls outside of approved parameters.\xc2\xb7 Identify, investigate and report potentially suspicious applications.\xc2\xb7 Perform all necessary KYC/KYB functions in accordance with scheme and regulatory rules.\xc2\xb7 Make decisions regarding the disposition of merchant processing activity to mitigate losses to the company.\xc2\xb7 Assist in the mitigation of losses by ensuring activities are an accurate representation of merchant\'s business model.\xc2\xb7 Provide various reporting to management.\xc2\xb7 Ability to work evenings and weekends.\xc2\xb7 Conduct detailed credit & risk analysis of applying merchant accounts to determine creditworthiness as well as identifying potential risks.\xc2\xb7 Demonstrate strong methodical skills in analyzing data, drawing meaningful conclusions, preparing written summary of results in accordance with department procedures & making holistic business recommendations.\xc2\xb7 Maintain communication & collaboration with partners, merchants & co-workers.\xc2\xb7 Process applications efficiently & with analytical thinking to reduce & streamline the workload of the underwriting department within a reasonable time frame.\xc2\xb7 Answer internal and external inquiries regarding Underwriting issues.Functional Proficiencies\xc2\xb7 Bachelors in finance or the equivalent in relevant experience and training.\xc2\xb7 2 years\' experience in risk management and/or underwriting.\xc2\xb7 Strong analytical skills.\xc2\xb7 Experience payments or bank card industry.\xc2\xb7 Knowledge of card scheme rules, regulations, and registration requirements\xc2\xb7 Good practical knowledge of Excel.\xc2\xb7 Good business sense.\xc2\xb7 Excellent verbal and written communications skills.\xc2\xb7 Ability to work in a fast-paced environment.English, Mandarin (written and spoken)

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