Senior Merchant Risk Analyst & Underwriting

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.