Job Description
Underwriting Specialist
Shanghai, China
About UsAfterpay has transformed the way people pay by allowing shoppers to receive productsimmediately and pay in four simple installments over a short period of time. The serviceis completely free for customers who pay on time - helping consumers spend moneyresponsibly, without incurring interest, fees or revolving and extended debt. Afterpay isoffered by more than 55,400 of the world’s best retailers and has more than 7.3 millionactive customers globally. The solution is currently available in Australia, New Zealand,the United States and the United Kingdom where it is called Clearpay. Afterpay evolvesquickly and is on a mission to be the world’s most loved way to pay and an employer ofchoice. We are on a rocketship most days so if you are up for a challenge, like thenotion of joining a business with big dreams and love being part of a high performingteam then please grab a ticket and contact us today.
You may also check out our LinkedIn page:https://www.linkedin.com/company/afterpay-com-au/.
This position will be based in our newly setup Shanghai Technology Center.
The RoleWe are looking for an Underwriting Specialist to join our Risk and Analytics team, witha focus in Australia, New Zealand and Chinese merchants. The number of merchantsoffering Afterpay continues to grow and The ideal candidate will have rich credit riskbackground across many different industries and business models.Working in a challenging, vibrant and fast-paced environment, you will need todemonstrate drive, resilience, and versatility. A respectful attitude and the ability to buildgood relationships is vital. This position will be based in our newly setup ShanghaiTechnology Center.
Key Responsibilities·Design and build a specialist underwriting function from scratch in in Australia,New Zealand and Chinese based merchants.·Develop the necessary standards, procedures and policies for ensuring we havean escalated first line of defence functio that can, at scale, review and underwritecomplex mid market and enterprise merchants·Strong communication, organisational, problem solving, and analytical skills. Thecandidate should have the ability to establish credibility and strong partnershipswith sales teams and other merchant risk analysts.·Perform basic or in-depth underwriting of new merchant accounts and existingaccounts on a periodic basis. Ability to read and interpret company financialdocuments is a must·Assess business model risk and determine credit exposure risk on new orexisting merchants·Provide concise oral and written summary recommendations regarding findings,issues and mitigants as needed·Work with the Product Team, Sales, Merchant Services, Account Managementand Customer Service teams to resolve merchant risk issues and provideguidance on overall risk tolerance and policy
About You·Minimum 5 years payments acquiring experience in Risk or Underwriting, fraudinvestigation, chargeback analysis, and/or compliance risk, ideally within apayments or ecommerce business·Strong verbal and written communication skills along with stakeholdermanagement·Experience managing merchant risk across multiple geographic regions·Self-motivated, well-presented, disciplined and methodical·High attention to detail and ability to multitask·Exceptional time management skills·Comfortable working and making impactful decisions in a fast-paced environment·Detective sense. You have a natural intuition when something isn’t right and arequickly able to identify the issue
Job Specification