Company Overview

The organisation operates within the fintech and digital payment services industry, providing technology-driven financial solutions that support businesses, merchants, and digital commerce platforms.

Its business environment combines payment processing, merchant services, financial risk assessment, and technology-enabled transaction management. The organisation prioritises responsible merchant onboarding, effective risk controls, and the development of reliable payment services.

Its teams collaborate across underwriting, compliance, fraud prevention, and payment operations to maintain a secure and sustainable merchant ecosystem.

Role Summary

The Merchant Risk & Underwriting Analyst will assess the financial and operational risk associated with businesses seeking access to digital payment and financial technology services.

The role involves reviewing merchant applications, analysing business models, evaluating transaction profiles, and identifying potential financial and operational risks before and during merchant relationships.

Working remotely within Estonia, the analyst will collaborate with merchant onboarding, compliance, fraud prevention, and payment operations teams to support informed underwriting decisions and effective risk management.

The successful candidate will combine financial analysis, investigative skills, and an understanding of payment industry risks.

Key Responsibilities

• Review merchant applications and assess business information submitted during onboarding.

• Analyse merchant business models, transaction characteristics, and expected payment activity.

• Evaluate financial information to identify potential credit, operational, and payment-related risks.

• Assess merchant transaction profiles and identify unusual processing patterns.

• Review chargeback activity, refund trends, and transaction disputes as part of merchant risk assessments.

• Conduct financial and operational reviews of new and existing merchants.

• Identify high-risk business activities and escalate cases requiring additional assessment.

• Prepare underwriting summaries and document risk assessment findings.

• Collaborate with compliance teams on customer due diligence and merchant verification requirements.

• Monitor existing merchant portfolios for changes in transaction behaviour and risk exposure.

• Support the development and improvement of merchant risk assessment procedures.

• Maintain accurate records of underwriting decisions and supporting documentation.

• Prepare reports covering merchant risk trends, portfolio performance, and underwriting activity.

• Recommend appropriate risk mitigation measures based on established internal policies.

Requirements and Qualifications

• Bachelor’s degree or equivalent professional experience in Finance, Accounting, Economics, Business Administration, or Risk Management.

• At least three years of experience in merchant underwriting, payment risk, credit analysis, or financial services.

• Understanding of merchant acquiring, card payment processing, and digital commerce.

• Familiarity with chargebacks, refunds, transaction disputes, and payment fraud indicators.

• Experience reviewing financial statements, business documentation, and merchant transaction information.

• Understanding of customer due diligence and merchant onboarding procedures.

• Strong analytical skills and the ability to interpret financial and operational data.

• Proficiency in Excel or Google Sheets.

• Familiarity with risk assessment systems and payment monitoring platforms.

• Excellent report-writing, documentation, and communication skills.

• Ability to make evidence-based assessments and manage multiple cases independently.

• High professional integrity and attention to detail.

Benefits

• Flexible remote working arrangement within Estonia.

• Opportunity to contribute to merchant risk management within the fintech industry.

• Exposure to digital payments, merchant acquiring, and financial risk assessment.

• Collaborative environment involving risk, compliance, and payment operations professionals.

• Opportunities for professional development in financial risk and underwriting.

• A supportive working culture focused on responsible financial services and operational excellence.

Application Instructions

Interested candidates should submit an updated CV outlining their experience in merchant underwriting, payment risk, credit assessment, or financial services. Applications should highlight experience analysing merchant business models, transaction activity, and financial information. Candidates are encouraged to provide examples of risk assessments, underwriting processes, or merchant portfolio monitoring activities they have previously handled.

Are you interested in this position?

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