Underwriting Specialist

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Job description

Join a movement in which everyone can win. We started a movement in which everyone can win - shoppers, retailers, society and every person on our team. To play fair, trust people and reward them for doing the right thing. We see and feel the impact of our work as more and more people gain financial freedom and retailers grow across the globe.

Founded five years ago in Sydney, Australia, Afterpay has millions of active customers globally and is offered at the world's best retailers around the world including Anthropologie, Revolve, DSW, GOAT, Finish Line, Levi's, Mac Cosmetics, Ray-Ban and many others. Afterpay is on a mission to power an economy in which everyone wins.Afterpay is completely free for customers who pay on time - helping people spend responsibly without incurring interest, fees or extended debt.

Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. We are focused on supporting our community of shoppers. We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing.

The Opportunity
As Afterpay's Underwriting Specialist in North America, you'll be responsible for reviewing and underwriting complex mid-market and enterprise merchants as well as building, designing, and scaling the underwriting framework. You will also develop the necessary standards, procedures, and policies to ensure we have an effective first line of defense. The ideal candidate will have a payments background as well as commercial credit underwriting skills with familiarity across various industries and business models. Adaptability, resilience, and a positive attitude will drive success in this role!

We are much more than our job descriptions - we are our energy, our ideas, our everyday drive. Here's where you will begin….
* Conduct in-depth underwriting and periodic reviews of enterprise and mid-market merchants in North America, identifying key risks and mitigants upon assessing business model risk and credit exposure risk
* Effectively communicate and summarize key findings, issues, and mitigants for approval
* Partner closely with Sales to provide guidance and evaluate opportunities, tailoring merchant risk recommendations that help drive Afterpay's sustainable growth
* Proactively identify ways to improve and scale the end-to-end underwriting function in terms of process to drive operational excellence
* Develop and enhance necessary standards, procedures, and policies
* Collaborate and establish credibility among stakeholders in Product, Consumer Risk, Merchant Onboarding, Client Success, and Customer Service teams to solve merchant risk issues as well as provide guidance on the overall risk framework and policies

Who are you? (Qualifications)
Like us, you'll be deeply committed to delivering positive outcomes for customers and passionate about shaping the future of Afterpay. You like to keep it real with your actions, be brave with your decisions, do the right thing for all our stakeholders and shape the future with excitement.

* You have a Bachelor's degree and minimum 3-5 years of experience in merchant risk or underwriting, fraud, chargebacks, compliance, and/or finance, ideally at a payments or financial technology company
* You are comfortable making impactful decisions by exercising sound judgment in a fast-paced environment
* You demonstrate strong verbal and written communication skills and can deliver cohesive narratives to align cross-functional stakeholders
* You are highly self-motivated and enjoy problem-solving to innovatively work your way around roadblocks
* You are organized, detail-oriented, and able to effectively multitask and prioritize
* You are proficient in data analysis (advanced Excel, SQL, & Tableau skills preferred) and able to interpret financial statements
* You are motivated by the team's success and willing to contribute new ideas

How we reward you. We have a pay for performance culture so you can expect to be rewarded for high performance. We pride ourselves on fairness and offer a competitive total reward package made up of salary, incentives and benefits including the opportunity to enroll in our share matching plan.

We have a strong focus on health and wellbeing at Afterpay as we aim to support you to succeed in both your career and personal lives, such as providing employees with a corporate membership to Headspace. We offer a wide range of insurance programs so you have the flexibility to choose what is best for you. Afterpay covers 100% of the employee cost and 75% of the cost of your dependents.

We value diversity and a collaborative and inclusive environment where everyone feels they belong is important to us.

How to Apply: We don't know what the future holds. That's the exciting part; we show up and make it happen. If you're brave, if you're committed to doing the right thing and excited by this opportunity, click apply now!

Afterpay is continuing to hire for all open roles with all interviewing and on-boarding done virtually due to COVID-19. All new team members, in addition to current staff, will temporarily work from home until it is safe to return to our offices.