Title:                    Underwriter/ Credit & Risk Analyst

Division:           Credit & Risk Ireland

Location:          EVO, Dublin

Reports to:       Risk Manager

Term:                  Full-time, permanent

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EVO Payments International is an exciting and growing company that is dedicated to providing innovative products, outstanding service and security to its customers.  We are located throughout the United States, Canada, Mexico, China and Europe.  We can process in over 130 currencies in over 50 markets worldwide. On behalf of our customers, we process billions of dollars annually.

EVO plays an important role in the everyday life of millions of people. For our customers and their customers, we are the link between the parties involved in almost any type of payment transaction.  We ensure that any payment is secure and properly applied and settled for each transaction.  EVO offers end to end support from installing the point of sale device to enable secure electronic payments at a merchant, providing software solutions to enable ecommerce and then troubleshooting and resolving issues that may occur from time to time for our customers.

In conducting our business, EVO is committed to creating an exciting, diverse and collaborative work environment for our employees. We know our success is the direct result of the talent, dedication, and energy of all our employees. In order to achieve this success, we share a common set of values that guides our behaviour at work each day.

We are currently recruiting for an Underwriter/Credit & Risk Analysts to join our expanding team based in our office in Dun Laoghaire, Co Dublin. This role reports to the Risk Manager.

Main Duties

• Underwriting of businesses applying for Card Payments facilities,
• Assessment of/ evaluation of feasibility of merchant’s business models in the POS (Point-of-Sale), MOTO (Mail Order/Telephone Order) and ECOM (E-Commerce) environment including the inherent risks related to card acceptance/acquiring .
• Performance of financial analysis based on financial statements and forecast.
• Assessment of business models in the context of due diligence and compliance with the guidelines of the payment
• Assess and interpret Credit Bureau Reports.
• Verification that ECOM websites fulfil card scheme’s requirements (card due diligence)
• In line with granted credit authority, approval of merchant applications based on the risk assessment including the definition of required collaterals.
• Communicate with sales channels and partners regarding new applications
• Proactively monitoring of the Merchant
• Verification of adherence to compliance requirements and credit guide
• Monthly reporting participation in reporting to the Card Schemes.
• Periodic credit reviewing of the portfolio.
• Internal contact for risk management and compliance
• Training of partners and merchants on risk management processes.
• Calculation of reserves/collaterals based on credit exposure.

Professional and Personal Requirements

• Business degree in Business/ Finance
• Experience in Credit and risk management
• Strong underwriting skills
• Experience in Acquiring / Cards industry preferred
• Familiar with KYC (know Your Client) and AML (Anti Money Laundering) procedures
• Familiar with eCommerce
• Excellent command of Excel
• Proven experience working with data bases
• Analytical thinking skills
• Efficient and responsible way of working
• Confident manner and good communication skills
• Negotiation skills
• Languages –English, fluent

Apply Now

Inclusion

EVO aims to operate an inclusive recruitment process. Regardless of your background or needs. If you need adjustments making to your working environment, we’ll do everything we can to support you.

Pre-Employment Screening

Attracting and selecting the best talent is key to EVO’s growth as a successful global organisation. As part of our selection process candidates can expect a number of stages that they will be guided through by our recruiters when they are successful in being shortlisted.  When a formal offer is made we will ask you to complete our pre-employment screening, which is essential for everyone joining EVO.  You will be guided through the pre-screening with our Partner HireRight. Some variations apply across geographies but typically we are looking for your right to work in the location  you are applying for, proof of residency, credit history and any unspent convictions. Any information that comes to light is treated confidentially and addressed on an individual basis.