Underwriter

UK London

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Risk Monitoring

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14 Jan 2026

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R-0004421

We’re reinventing payments.
In less than four years, Dojo disrupted the market to become the largest and most loved acquirer in the UK. Our payments infrastructure, purpose-built for in-person commerce, is game changing.

Now, over 150,000 customers across four countries choose to transact billions with us every year.
But we’re just getting started.

Our people are the driving force behind our success. They are our greatest investment and our ultimate competitive advantage. We hire exceptional people and give them the autonomy, trust, and ownership to thrive. The results take care of themselves.

 


The role

2026 is a milestone year for Dojo as we solidify our position as the leader in experience economy payments. While our European expansion continues at pace, the UK remains our most established, complex, and high-volume market.

As a London-based UK Underwriter, you will serve as a vital guardian of risk integrity, acting as the frontline shield against fraud, financial crime, and credit risks. You will manage a diverse portfolio ranging from high-growth SMBs to complex enterprise-level propositions, utilising expert manual intervention to complement advanced automation. Balancing sharp analytical insight with a proactive approach to decision-making, you will maximise commercial growth and navigate the complexities of our busiest market!

What you will do...

  • Advanced Risk & Financial Analysis: Execute comprehensive credit and financial assessments for complex UK merchant applications, analysing multi-layered financial accounts and bank statements to mitigate card-processing exposure.
  • Regulatory & Scheme Compliance: Navigate the UK payment landscape to ensure all underwriting decisions align with FCA regulations, card scheme rules, and internal risk policies across diverse industries.
  • End-to-End Exposure Ownership: Own the credit decisioning process by evaluating requested facilities against underlying risk, providing data-driven recommendations and formal rationale for high-exposure cases.
  • Commercial Enablement & Escalation: Partner with commercial teams to find viable onboarding solutions for complex cases, acting as a lead point of contact for escalations and high-level stakeholder management.
  • Lifecycle & Expansion Underwriting: Manage risk assessments for existing merchants undergoing significant profile changes, including expansion into new geographies, product additions, or fundamental business model shifts.
  • Strategic Process Optimisation: Drive operational excellence by developing underwriting policies and refining automation workflows to improve efficiency and accuracy within the UK market.
  • Cross-Functional Leadership & Mentorship: Collaborate with Legal, Compliance, and Financial Crime teams on bespoke contracts while providing technical mentorship and advocacy for the underwriting function.

What you will bring...

  • Proven Underwriting Experience: Demonstrable experience in a credit risk or underwriting role within a financial institution, specifically applying financial analysis skills.
  • UK Market Expertise: Deep knowledge of the UK market, including UK-specific AML regulations and the ability to validate documentation across different UK legal entity types.
  • Deep Payments Knowledge: A thorough understanding of acquiring risks, card scheme rules, industry regulations and the chargeback process.
  • Analytical Rigour & Subjective Reasoning: The ability to go beyond checklists—applying professional judgement in ambiguous situations to weigh risk factors that do not always follow a formula.
  • Communication & Negotiation: Excellent communication skills, with the ability to articulate complex underwriting decisions and influence stakeholders at all levels.
  • Customer-Centric Growth Mindset: A focus on balancing robust risk management with commercial opportunities and client satisfaction.
  • Adaptability: The motivation to thrive in a high-growth environment, with a passion for innovation and driving change within the payments industry.

Dojo home and away

We believe our best work happens when we collaborate in-person. These “together days” foster communication, drive innovation and spark our brightest ideas.

That's why we have an office-first culture. This means working from the office 4+ days per week.

With offices across Europe, we know a thing or two about staying dynamic. Need deep focus? Head to a quiet zone. Big ideas? Collaboration spaces have you covered. Just here for a catch-up? Our social hubs make it easy. Do work that counts, in spaces made for you.


Question: 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 Dojo 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, and inclusion at Dojo

From local bakeries to well-known eateries, Dojo payments serve over 150,000 places across the UK. 

And something that’s fundamental to creating relevant, innovative products at Dojo is to build teams to reflect the diversity of the businesses we serve.

Our drive to improve diversity, equity, and inclusion is closely linked to helping employees thrive and innovating for better customer experiences.

If you care about your work, you’re curious, and you think customer-first, you have a place at Dojo.

To make sure you’re the best you can be throughout the recruitment process, let us know if you need any extra adjustments to help you thrive. 

 

Visit dojo.careers to find out more about our benefits and what it’s like to work at Dojo, or check out our LinkedIn and Instagram pages. 

#LI-Hybrid

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Dojo is a trading name of Paymentsense Limited. Copyright ©2025 Paymentsense Limited. All rights reserved. Paymentsense Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN 738728) and under the Electronic Money Regulations 2011 (FCA FRN 900925) for the issuing of electronic money and provision of payment services.