About UnlimitFounded in 2009, Unlimit is a global fintech company with 16 offices all over the world and more than 500 employees, that offers a large portfolio of financial services - from acquiring (payment processing) to banking as a service. Our mission is to be "ready for tomorrow" and to provide our customers with a sense of stability in the everchanging financial landscape and an opportunity to be prepared for whatever the tomorrow of business brings their way.Job Purpose:The Underwriting Analyst will review and complete underwriting and credit analysis of applications by applying sound underwriting judgment and adhering to company policy. In this role, you will be responsible for reviewing potential and existing merchants from a risk, regulatory, and compliance perspective. Part of this role is also to facilitate the Company's growth by scaling internal processes and focusing on continuous optimization and automation.Main Duties and Responsibilities:Ensure adherence to Company and Card Schemes rules and policies.Adhere to underwriting standards, instructions, and good practice to minimize risk and maximize efficiency.Perform underwriting and risk assessment (including but not limited to credit risks) of new and existing customers.Perform calculation of the financial risk exposure and the relevant risk mitigation measures.Setup processes, monitor, and execute checks related to merchants on-boarding and monitoring.Evaluate existing procedures to refine and optimize merchant on-boarding and monitoring process.Provide advice and support to internal stakeholders regarding new and existing merchants' questions around merchant on-boarding.Provide support for periodical reviews and audits.Continuous process improvement and sharing best practices.Main Qualifications, Skills, and Experience:At least 3 years of experience in acquiring and merchants underwriting.Understanding of AML, KYC, PCI, and Internal Controls.Knowledge of Card Schemes rules and regulations in relation to merchants onboarding and monitoring.Solid practical knowledge of credit risk assessment.Extremely detail-oriented, organized, and have the ability to multi-task.Able to work independently while being a strong collaborator, connecting with colleagues and sharing ideas to improve effective teamwork.Take initiative, ownership, and committed to challenging the status quo.Self-starter who enjoys a fast-paced environment.Excellent written and verbal communication. English fluency required.Analytical skills to identify and assess potential fraud and compliance issues.Demonstrated skills in risk assessment. The ability to escalate when appropriate.We Offer:Attractive monthly salary paid in line with experience.Modern workplace with all necessary equipment based in Sao Paulo, Brazil.A team of top international professionals to learn from.Multicultural working environment.Please submit CVs in English.Join Unlimit Team now!Unlimit is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion, or belief.
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