Software Engineer II, Backend (Credit Decisioning)
•Affirm· 11h
💻 Engineering📝 Contract📈 Mid Level💰 $125k-175k🇨🇦 Canada
11h ago
Nuvei·3 months ago
The world of payment processing is rapidly evolving, and businesses are looking for loyal and strategic partners, to help them grow.
Meet Nuvei, the Canadian fintech company accelerating the business of clients around the world. Nuvei's modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets, with local acquiring in 50 markets, 150 currencies and 700 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
At Nuvei, we live our core values, and we thrive on solving complex problems. We’re dedicated to continually improving our product and providing relentless customer service. We are always looking for exceptional talent to join us on the journey!
Your Mission
We are looking for a Senior eCommerce Underwriter, to join our fast-growing Underwriting team. Reporting to our Director, eCommerce Underwriting you will be supporting the team on reviewing and analyzing merchant application referrals from Nuvei’s eComm, Base Direct, and US/CAN Partners sales channels to qualify their creditworthiness. They will follow all Nuvei credit policies and guidelines to mitigate overall financial and reputational risk exposures. The Senior eCommerce Underwriter will be actively engaged with the Loss Prevention and Sales teams to identify risk and market trends.
Key Responsibilities
- Conduct detailed credit & risk analysis of applying merchant accounts to determine creditworthiness, as well as identifying potential risks.
- Demonstrate strong methodical skills in analyzing data, drawing meaningful conclusions, preparing written summary of results in accordance with department procedures, and making holistic business recommendations.
- Maintain communication and collaboration with partners, merchants, and other teams.
- Process applications efficiently and with analytical thinking to reduce and streamline the workload of the underwriting department within a reasonable time frame.
- Answer internal and external inquiries about Underwriting issues.
- Provide internal concurrence and mentorship to non-senior underwriters on accounts up to $700,000 in MV and/or exposure. Approve fund releases up to $15,000, as needed
· 5 years’ experience in underwriting in the bankcard industry required
· Proficiency in English (written and spoken)
· Strong knowledge of enhanced due diligence requirements for strategic verticals like online pharmacies, money remittance providers, online marketplaces, airlines, cruise lines, OTAs, online gaming/gambling, and cryptocurrency.
· Strong knowledge of card scheme rules, regulations, and registration requirements
· Experience with drafting high-level write-ups to submit to C-level executives and sponsor banks for concurrence with minimal oversight
· Ability to read and interpret financial statements
· Ability to calculate financial risk and delayed delivery exposure
· Ability to analyze high-volume accounts while accurately assessing credit, regulatory, and reputation risk
· Good practical knowledge of Microsoft Word, Excel, and Power Point
· Excellent time management skills and autonomous work ethic
· Strong research & analytical skills
· Excellent written and verbal communication skills
· Ability to adapt and prioritize in a fast-paced environment
Please upload your CV in English
Nuvei offers a wide variety of benefits, which include:
Nuvei is an equal-opportunity employer that celebrates collaboration and innovation and is committed to developing a diverse and inclusive workplace. The team at Nuvei is comprised of a wealth of talent, skill, and ambition. We believe that employees are happiest when they’re empowered to be their true, authentic selves. So, please come as you are. We can’t wait to meet you.