Credit Risk Underwriter

Join to apply for the Credit Risk Underwriter role at DojoSi desea conocer los requisitos para este puesto, siga leyendo para obtener toda la información relevante.We’re reinventing payments. In less than four years, Dojo has become the largest and most loved acquirer in the UK. Our payment infrastructure, purpose‑built for in‑person commerce, is game‑changing. Over 150,000 customers across four countries transact billions with us every year. We hire exceptional people and give them autonomy, trust, and ownership to thrive.About the RoleAs we continue our expansion into Europe, we are looking for someone as ambitious as we are to join our Madrid‑based underwriting team focusing on the Spanish market. You will act as a shield between Dojo and any fraud, AML, and credit risks we may face, ensuring every applicant meets our risk appetite.What you will doConduct thorough risk assessments tailored to each merchant and vertical, covering potential fraud, AML, and credit risks.Perform comprehensive KYC and KYB due diligence checks on all applicants, ensuring compliance with Spanish AML regulations and internal policies.Identify credit risk and exposure drivers specific to each vertical and recognize how sector dynamics impact overall risk profiles.Evaluate the creditworthiness of prospective and existing customers by analysing financial statements, payment history, industry trends, and other non‑financial factors.Own the credit decision process by delivering well‑founded recommendations on credit limits based on the underlying acquiring credit risk exposure.Lead engagement with commercial teams to identify solutions that maximise onboarding opportunities, manage case escalations, and deliver training while advocating the risk and underwriting function.Stay updated on industry trends, market conditions, and regulatory changes that may impact credit risk and AML.Contribute to the creation, development, and documentation of policies and processes across the credit and underwriting function, identifying potential areas for improvement and making recommendations.Collaborate closely with the Legal team to negotiate and review bespoke contracts and security arrangements.What you will bringDemonstrable knowledge in Spanish AML regulations, ability to assess and validate documentation across different legal entity types.Deep understanding of acquiring risks and controls, alongside knowledge in card scheme rules and the chargeback process.Proven experience in a credit risk underwriting role within a financial institution, specifically applying financial analysis skills and with strong knowledge of the Spanish market.Degree level education or equivalent experience in credit risk, underwriting, or a similar role within the financial services sector in Spain.Strong problem‑solving, negotiation, and decision‑making skills, with the ability to manage multiple priorities effectively.Excellent communication skills, able to articulate complex underwriting decisions to internal and external stakeholders.Customer‑focused mindset, balancing risk management with commercial opportunities and client satisfaction.Collaborative working style, focus on continuous improvement, knowledge sharing, and achieving shared goals.Motivation to grow and develop skills, passion for innovation and driving change within the payments industry.Business fluency in English and Spanish.Work EnvironmentWe believe our best work happens when we collaborate in‑person. These “together days” foster communication, drive innovation, and spark our brightest ideas. We have an office‑first culture, meaning you work from the office at least 4 days per week. With offices across Europe, you can choose quiet zones or collaboration spaces depending on the task at hand.ValuesQuestion: what’s curious, relentless, and customer obsessed?If you’re keen to know the answer, you’re a third of the way to meeting our values. If the following speak to you, let’s talk:You’re curious – you have a real desire to learn and create.You’re relentless – you keep going even when it’s easier not to.You’re customer‑obsessed – you know how important customers are to what you do.Diversity, Equity & InclusionDojo payments serve over 150,000 places across the UK, and we believe in building teams that reflect the diversity of the businesses we serve. Our drive to improve diversity, equity, and inclusion is linked to helping employees thrive and innovating for better customer experiences. xsgfvud If you care about your work, you’re curious, and you think customer‑first, you have a place at Dojo.Seniority LevelMid‑Senior levelEmployment TypeFull‑timeJob FunctionFinance and Sales#J-18808-Ljbffr