Digi Upaay - Analyst - Commercial Underwriting

Job Description :

The Role :

You will work as Commercial Underwriter on the merchant acquiring portfolio of a US based client, who is an industry leader and one of the most valued fintech globally.

Responsibilities :

1. The customers of the client (acquirer) are businesses that accept credit cards (merchants), and you will be required to conducting financial review of the high-risk accounts.

2. Analyze financial and bank statements to assess credit worthiness.

3. Ability to perform financial assessments (growth trends, efficiency ratios, cash flow generation, burn rate, debt levels, overall liquidity), interpreting financial performance, competition comparison, and assessing credit exposure.

4. Identify trends and validates potential larger impact to portfolio for further escalation.

5. Research the company information on the internet and gather all relevant information for the purpose of underwriting.

6. Evaluate the risk of default of the customers and work with the senior underwriters based in the USA to mitigate the risk.

7. Monitor and investigate merchants' credit card processing activities using internal and external Risk monitoring tools.

8. Write a credit memo based on your analysis and provide a recommendation on the risk and mitigation measures