Underwriting Analyst with Romanian (Poland/remote)

About ZEN.COM

ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.

We are looking for Underwriting Analyst.

If you have:

• A minimum of 2 years of experience in the underwriting area
• Strong understanding of underwriting processes, guidelines, regulatory and Card Schemes requirements
• Excellent analytical and problem-solving skills
• Strong organizational and prioritization skills
• Excellent communication and interpersonal skills
• Fluent in English and Romanian

Your daily duties will be:

• Analyzing new business applications to assess risk factors and ensure customer onboarding in accordance to Zen’s policies and procedures
• Reviewing and evaluating e- commerce merchant applications to ensure adherence to Card Scheme requirements
• Evaluating the goods and services offered by the merchant, its online presence and reputation
• Evaluating business models and propose criteria and underwriting flow for new verticals based on industries best practices
• Assessing merchant’s financial position
• Setting merchant’s collateral to mitigate financial risk in accordance to the customer’s risk factors
• Maintaining current knowledge of industry regulations, standards and best practices
• Reviewing applications and working with customers to gather additional information / documentation if needed
• Researching claims history to determine whether claims were filed in the past or if there are any indications of fraudulent activity
• Collaborating with internal teams to streamline underwriting processes

We offer:

• Future career opportunities with international exposure
• A supportive and diverse environment that allows our employees to thrive and learn