Underwriting Analyst II - Enterprise Payments

October 31, 2026

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_**Company Description**_ _We’re [Checkout.com]( You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. _ _We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. _ _Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. _ _If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. _ _With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started._ At [Checkout.com]( we build the global payment infrastructure that empowers the world’s most innovative businesses to thrive. We are looking for an exceptional **Underwriter** to join our Atlanta team and play a pivotal role in our growth. In this role, you won’t just be ticking boxes—you will be a strategic partner. You will dive deep into complex enterprise business models, evaluate credit exposure, and balance risk with commercial opportunity. Operating at the intersection of Risk, Sales, and Legal, you will get unique, cross-functional exposure while working directly with some of our highest-value merchants. ## **How You’ll Make an Impact** * **Deconstruct Complex Business Models:** Analyze enterprise-scale applications and apply creative evaluation techniques to unlock high-value, complex deals while adhering to internal risk guidelines. * **Navigate High-Stakes Verticals:** Confidently underwrite merchants in high-risk lines of business, including travel, ticketing, securities, and gaming. * **Quantify & Mitigate Risk:** Calculate credit exposure dynamically, tailoring your approach to the specific nuances of each merchant. * **Drive Financial Diligence:** Dissect P&Ls, balance sheets, and cash flow statements, applying a deep understanding of accounting principles to assess financial health. * **Advise & Influence:** Synthesize complex micro and macro risks into clear, balanced recommendations. You will present these insights directly to Senior Management, the Credit Risk Committee, and our partner banks. * **Be the Face of Underwriting:** Join forces with Sales and Account Management on customer calls, acting as a trusted advisor to our clients. * **Enable Next-Gen Payouts:** Assess and process applications for our innovative Pay to Card and Pay to Bank solutions. ## **What We’re Looking For** * **Proven Expertise:** 4+ years of experience in merchant underwriting or a closely related financial analysis role. * **Financial Acumen:** Expert-level ability to assess diverse business models, analyze financial statements, and identify credit risk exposure. * **A "Customer First" Mindset:** Excellent communication skills with a knack for delivering creative, commercial solutions without compromising risk standards. * **Collaborative Drive:** A true champion of our "One Team" culture who builds bridges across cross-functional departments. * **Decisive Execution:** Strong escalation management skills—you act with urgency, take ownership, and resolve roadblocks effectively. * **An Innovator's Spirit:** A passion for operational excellence and a desire to actively contribute to broader departmental projects and process improvements. * **Bonus Points:** Familiarity with Customer Due Diligence, KYC, and KYB protocols is a strong plus. **Additional Information** **Bring all of you to work** We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. **Life at [Checkout.com]( We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our [Careers Page]( to learn more about our culture, open roles, and what drives us. For a closer look at daily life at [Checkout.com]( follow us on [LinkedIn]( and [Instagram](

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...