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Underwriter

  • London
  • Risk
  • Full time
  • R-0002699

Description

We’re Dojo

Since launching Dojo in 2019 to address business owners’ pain points across the UK, we’ve seen incredible growth as a scaling fintech, welcoming over 60,000 new customers and growing the Dojo team to 900+ people across five locations. In that time, we’ve also introduced Dojo Virtual Queues & Bookings and the Dojo restaurant finder app, formerly known as WalkUp and loved by 600 restaurants and 600,000 diners across the UK. Find out more about the journey we’ve been on here . 

Today, we work towards our mission to empower businesses to thrive in the Experience Economy by creating the tools and technology that turn transactions into meaningful relationships. For our business customers, that means fast funding, the fastest payments, smart integrations, and efficient virtual queues & bookings - all with instant insight across the board. For over 600,000 diners across the UK, that means getting seated at their favourite restaurants in just a couple of taps on the Dojo app. Whether it’s for busy business owners or hungry diners, every Dojo product is built to address real customer pain points by our dedicated teams in London, Bristol, Hull and Belfast. 

The role

As we continue to grow and scale it’s all hands on deck to increase the number of merchants we bring on each month. Our underwriting team plays a massive role in bringing to life a frictionless signup journey for new merchants, a key contributor to our success.

We are looking for someone as ambitious as we are to join our London based underwriting team and act as a shield between Dojo and any fraud, AML and credit risks. At the rate we’re growing, applications from a variety of businesses from small to enterprise come in thick and fast; you’ll use your insight and understanding across both financial and relevant non-financial information to ensure they meet Dojo risk appetite.

Working alongside a great team of fast and thorough decision-makers, you’ll proactively engage with internal stakeholders and our clients to find solutions to best manage and mitigate our risk, while supporting the continued growth and expansion of Dojo.

What you will do...

  • Conduct credit analysis of prospective customers utilising financial, bank and processing statements to ensure potential applicants meet Dojo risk appetite.

  • Detect and prevent potentially fraudulent or reputationally damaging accounts from being boarded, collecting and reviewing appropriate documentation necessary to assess and mitigate potential risks.

  • Work to the established turnaround times, taking a methodical approach to task load and priorities according to volumes, case complexity and client priority.

  • Performing ongoing portfolio monitoring and risk assessment as well as ensuring existing customer change requests are promptly dealt with and remain in line with Dojo risk appetite. 

  • Collaborate with other departments, such as Commercial and Compliance, to ensure that underwriting decisions are aligned with Dojo’s strategic objectives and in accordance with industry regulations.

  • Handle escalations from internal and external stakeholders regarding underwriting decisions, providing clear explanations for the rationale behind decisions.

  • Participate in creating, developing and documenting policies and processes across the credit and underwriting function including identifying potential areas for improvement and making recommendations for change.

  • Support senior members of the team with projects, ad-hoc tasks and to provide training and guidance to other business areas.

What you will bring...

  • Experience in a credit risk or underwriting role within a financial institution, specifically utilising financial analysis skills.

  • Educated to degree level or equivalent within a business, investigations or financial discipline. 

  • An understanding of Credit, Fraud and AML risk - preferably within the Payments Industry including knowledge of card scheme rules, industry regulations and the chargeback process.

  • Strong problem-solving, negotiation, decision making and multi-tasking skills are essential.

  • Excellent communication skills, with the ability to articulate complex underwriting decisions to internal and external stakeholders.

  • A customer-focused approach, with the ability to balance risk management with customer satisfaction.

  • The ability to work collaboratively in a team environment, with a focus on continuous improvement and achieving shared goals.

  • The motivation to grow and develop your skills, with a passion for innovation and driving change within the payments industry.

Our values

At Dojo, we’re curious . We have an insatiable desire to learn and innovate. And we’re relentless . We persevere even when it’s easier not to. But, we’re nothing without our customers, who drive everything we do. From day one, Dojo was built on real customer pain points and every one of us is customer-obsessed . 

Creating a more diverse, equitable and inclusive Dojo

Dojo’s 60,000+ customers reflect the diversity of the UK High Street. Building diverse teams that are representative of that to develop and deliver our business strategy is fundamental to continuing to create innovative products at Dojo. As a result, together, we achieve better outcomes for our customers and for Dojo. 

Regardless of age, disability, race, gender, religion, sexual orientation, culture, educational background, parental status, neurodiversity or disability - whoever you are, if you’re passionate about your work, curious, relentless and customer-obsessed, we want to hear from you.

We pride ourselves on fostering a sense of community, which is only made stronger by each individual at Dojo, so you'll have the opportunity to meet a variety of people across levels, teams, and experiences throughout the interview process. 

Find out more about our benefits and what it’s like to work at Dojo at https://www.dojo.careers . 

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