Senior Merchant Risk Analyst & Underwriting

4 Months ago • 5 Years + • Finance

Job Summary

Job Description

Senior Merchant Risk Analyst & Underwriting role at Razer requires 5+ years of experience in risk analysis, underwriting, and strong decision-making capabilities to evaluate high-impact cases. You'll lead risk assessments, manage complex merchant applications, and ensure robust risk management strategies.
Must have:
  • Risk Analysis
  • Underwriting
  • E-commerce
  • Compliance
Good to have:
  • Fraud Prevention
  • Data Analysis
  • Risk Management Tools
  • Team Management
Perks:
  • Global Mission
  • Gamer-Centric Culture

Job Details

Joining Razer will place you on a global mission to revolutionize the way the world games. Razer is a place to do great work, offering you the opportunity to make an impact globally while working across a global team located across 5 continents. Razer is also a great place to work, providing you the unique, gamer-centric #LifeAtRazer experience that will put you in an accelerated growth, both personally and professionally.

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.

1. Lead Risk Assessment & Underwriting:

  • Evaluate and underwrite complex merchant applications, including high-risk industries and high-value accounts.
  • Conduct Enhanced Due Diligence (EDD) and review detailed business models to identify potential risk factors.
  • Approve or decline applications based on deep analysis and strategic risk considerations.

2. Advanced Portfolio Monitoring:

  • Perform ongoing risk assessments and in-depth 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.

3. 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.

4. Policy and Process Improvement:

  • Develop and refine underwriting and risk management policies to ensure best practices.
  • Mentor and guide junior analysts, providing training and reviewing complex cases.

5. Stakeholder Engagement & Reporting:

  • Serve as the primary contact for escalated cases, providing clear risk analysis and recommendations.
  • Collaborate with Sales, Operations, and Compliance teams to support strategic business decisions.
  • Prepare and present comprehensive risk reports and insights for senior management.

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?

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