Job Responsibilities :
The Senior Merchant Risk Analyst & Underwriting role is responsible for managing complex risk evaluations and ensuring robust risk management strategies are in place for high-risk merchants. This position involves conducting in-depth assessments of new and existing merchants, leading Enhanced Due Diligence (EDD), and making high-level decisions to safeguard the company’s financial interests and regulatory compliance. The Senior Analyst will collaborate closely with internal teams, mentor junior analysts, and serve as a key decision-maker in escalated risk cases.
Lead Risk Assessment & Underwriting :
- Evaluate and underwrite complex merchant applications, including high-risk industries and high-value accounts.
- Conduct Enhanced Due Diligence (EDD) and perform in-depth reviews of business models to identify potential risk factors.
- Approve or decline merchant applications based on thorough analysis and strategic risk considerations.
Advanced Portfolio Monitoring & Management :
Perform ongoing risk assessments and detailed reviews of the merchant portfolio, flagging high-risk behaviors.Oversee Ongoing Due Diligence (ODD) and ensure all high-risk merchants meet regulatory and compliance requirements.Assist in Team Management & Mentoring :
Assist the Manager in leading the underwriting team, providing daily support and direction.Mentor junior analysts by reviewing their work, offering feedback, and providing training on complex cases.Support team performance by ensuring adherence to best practices and risk management policies.Policy and Process Enhancement :
Develop and refine underwriting and risk management policies to ensure compliance with industry standards.Implement process improvements to enhance the efficiency and effectiveness of risk assessments.Stakeholder Engagement & Reporting :
Serve as the primary contact for escalated risk cases, providing clear analysis and strategic recommendations.Collaborate with Sales, Operations, and Compliance teams to support business needs and strategic decisions.Prepare and present comprehensive risk reports and insights for senior management.Pre-Requisites : Pre-Requisites :
Bachelor’s Degree in Finance, Business Administration, Economics, Risk Management, or a related field.Professional certifications in risk management, compliance, or fraud prevention are strongly preferred.5+ years of experience in risk analysis, underwriting, or a related field, ideally within the e-commerce or payments industry.Proven track record handling complex risk assessments and high-risk merchant cases.In-depth understanding of risk management principles, fraud detection, and compliance standards.Strong decision-making capabilities with the ability to evaluate high-impact cases.Proficiency in using risk management tools and advanced data analysis.Excellent communication skills for stakeholder management and mentorship.Ability to work independently and lead initiatives within a fast-paced environment.Willingness to work in I-City, Shah Alam.Are you game?
