Underwriting Analyst II - Enterprise Payments

About Us

We’re Checkout.com. We power the payments behind digital experiences for companies like eBay, Spotify, Klarna, Uber, and Sony, enabling over 10 billion transactions yearly for more than one billion global shoppers. Our platform helps ambitious businesses deliver effortless digital experiences at scale. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech.

About the Role

We are looking for an exceptional Underwriter to join our New York team. In this role, you will act as a strategic partner, diving deep into complex enterprise business models, evaluating credit exposure, and balancing risk with commercial opportunity. You will operate at the intersection of Risk, Sales, and Legal, gaining unique cross-functional exposure while working directly with some of our highest-value merchants.

Responsibilities

• Deconstruct complex business models: Analyze enterprise-scale applications and apply creative evaluation techniques to unlock high-value, complex deals while adhering to internal risk guidelines.
• Navigate high-stakes verticals: Confidently underwrite merchants in high-risk lines of business, including travel, ticketing, securities, and gaming.
• Quantify and mitigate risk: Calculate credit exposure dynamically, tailoring your approach to the specific nuances of each merchant.
• Drive financial diligence: Dissect P&Ls, balance sheets, and cash flow statements, applying a deep understanding of accounting principles to assess financial health.
• Advise and influence: Synthesize complex micro and macro risks into clear, balanced recommendations for Senior Management, the Credit Risk Committee, and partner banks.
• Be the face of underwriting: Collaborate with Sales and Account Management on customer calls, acting as a trusted advisor to clients.
• Enable next-gen payouts: Assess and process applications for our innovative Pay to Card and Pay to Bank solutions.

Requirements

• 4+ years of experience in merchant underwriting or a closely related financial analysis role.
• Expert-level ability to assess diverse business models, analyze financial statements, and identify credit risk exposure.
• Excellent communication skills with a "customer first" mindset, delivering creative, commercial solutions without compromising risk standards.
• A collaborative drive and a champion of our "One Team" culture, building bridges across cross-functional departments.
• Strong escalation management skills—acting with urgency, taking ownership, and resolving roadblocks effectively.
• An innovator’s spirit with a passion for operational excellence and a desire to contribute to broader departmental projects and process improvements.

Nice to Have

• Familiarity with Customer Due Diligence, KYC, and KYB protocols.

Culture and Benefits

We create the conditions for high performers to thrive through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for your impact. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

We work as one team and back each other to succeed. If you need accommodations to make your experience or working environment more comfortable, let us know in your application or directly with your recruiter.

Pay

Compensation range: $63,100 – $74,200.

Schedule

Hybrid working model with three days per week in the office.