Senior Risk Operations Specialist Underwriting
Skills
About the Role
You will evaluate business applications for corporate card and bill pay products across EU and US applicants. You will analyze financial statements, bank data, bureau information, transaction activity, and other risk signals to make clear, defensible underwriting recommendations. You will communicate with customers when more information is needed, manage a queue against SLAs, document decisions, and improve underwriting workflows, procedures, policies, tools, and automation.
Requirements
- 4+ years of experience in underwriting, credit risk management, commercial lending, credit operations, or a related risk role.
- Experience in corporate cards, small business cards, payments, invoices, lending, fintech, banking, or related financial services.
- Strong financial analysis skills, including reviewing financial statements, bank data, transaction activity, and business health indicators.
- Clear written and verbal communication for explaining underwriting decisions and requesting customer information.
- Investigative judgment and the ability to make defensible decisions with incomplete or conflicting data.
- Ability to operate independently in a fast-moving environment.
- Attention to detail and discipline in documentation, quality, and SLA management.
- AI fluency, including experience building and implementing AI-driven workflows.
- Experience underwriting businesses in European markets or working with EU-based financial services customers.
- Experience building or improving underwriting SOPs, risk playbooks, dashboards, or operational workflows.
Responsibilities
- Review new business applications and make underwriting recommendations for corporate card and bill pay products.
- Analyze financial statements, bank data, bureau information, application details, and risk signals to assess business health and repayment ability.
- Recommend underwriting outcomes, including approvals, declines, lower limits, requests for information, or other risk controls.
- Communicate clearly and professionally with customers to obtain additional financial information or context.
- Maintain decision quality while managing a queue with defined SLAs and quality expectations.
- Build and improve underwriting documentation, workflows, and operating procedures.
- Partner with Risk Strategy, Product, Engineering, Sales, and Customer Support to improve policies, tools, and customer experience.
- Monitor underwriting outcomes and surface trends, gaps, and emerging risks.
- Use AI and automation to improve speed, consistency, review quality, and operational leverage.
Benefits
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- Private medical insurance through Freedom Elite
- Virtual GP and at-home care via eMed x Livi
- Workplace pension through Penfold with salary sacrifice option
- Parental leave: up to 16 weeks for birthing and bonding or 8 weeks for bonding only at 100% pay, with additional time at reduced pay
