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Merchant Underwriter

fully flexible
Remote: 
Full Remote
Contract: 
Full time
Experience: 
Mid-level (2-5 years)
Work from: 
Utah (USA), United States

Offer summary

Qualifications:

Bachelor’s degree in Business or Finance, 2-3 years of experience in underwriting, Experience in financial services preferred, Familiarity with CRM and underwriting tools.

Key responsabilities:

  • Conduct comprehensive risk assessments
  • Evaluate merchant applications and make decisions
Snap Finance logo
Snap Finance Large https://snapfinance.com/
1001 - 5000 Employees
About Snap Finance
“Thank you for helping me out.” “Snap believed in me when others didn’t.” "I needed help and Snap came through for me." These comments from real consumers are why Snap Finance exists. Since 2012, Snap has been on a mission to bring flexible, pay-over-time financing options to all consumers. Our retail partners told us that many of their customers couldn’t qualify for traditional credit, causing embarrassment and leaving them with no way to buy the items they want and need for their families. This gap also left our retail partners with missed opportunities. At Snap, we’ve harnessed the power of data to empower customers of all credit types and to help retailers close more sales. Our technology brings together machine learning, non-traditional risk variables, and years of data to create a proprietary decisioning platform. The result is financing that looks at each customer through a more holistic, human lens. We’re proud to serve the 40% of U.S. consumers who are building or rebuilding their credit. Our fast, flexible pay-over-time solutions are changing the face and the pace of consumer retail finance. And we’re hiring!
See more Snap Finance offers

Job description

Are you looking for a friendly, fast-paced workplace with an emphasis on helping customers and empowering team members? Snap Finance is a thriving leader in the financial services industry, and our team members are the foundation of our success. Snap knows that happy, empowered, and engaged team members are essential to innovation and business success- and our approach is working. Come join us!

Job Description

Snap Finance is seeking an experienced Merchant Underwriter to conduct comprehensive risk assessments and drive underwriting decisions for merchant applications. This role is critical in maintaining regulatory compliance, supporting business growth, and ensuring that merchant operations align with Snap’s standards and policies.

As a Merchant Underwriter, you will be responsible for evaluating merchant applications, performing risk assessments, and escalating complex cases as needed. You will collaborate with multiple teams, ensuring that underwriting criteria meet both compliance and business requirements.

The Job…

  • Risk Assessments: Perform thorough reviews of new merchant applications, evaluating risk and identifying potential compliance concerns.
  • Underwriting Decisions: Make informed recommendations based on a balanced assessment of risks and revenue potential, escalating complex cases to leadership when necessary.
  • Collaboration: Partner with Compliance, Sales, and onboarding teams to refine underwriting processes, provide feedback, and address escalated cases effectively.
  • Process Improvement: Continuously analyze underwriting practices and suggest refinements to criteria and tools to enhance efficiency and accuracy.
  • Regulatory Alignment: Ensure all underwriting activities meet internal policies and external regulatory standards.

You…

  • Education & Experience: Bachelor’s degree in Business, Finance, or a related field, with 2-3 years of experience in underwriting, compliance, or risk management. Experience in financial services or working with high-risk scenarios is a plus.
  • Analytical Skills: Strong ability to assess complex risk factors and evaluate detailed business reports or financial data.
  • Decision-Making: Proven capacity to make timely, well-documented decisions that balance risk mitigation with business opportunities.
  • Communication: Excellent written and verbal skills, with the ability to present underwriting findings and complex decisions to stakeholders at all levels.
  • Technical Proficiency: Familiarity with CRM and underwriting tools to streamline processes and improve decision-making efficiency.

Why You’ll Love It Here…

  • Generous paid time off
  • Competitive medical, dental & vision coverage
  • 401K with company match
  • Company-paid life insurance
  • Company-paid short-term and long-term disability
  • Legal coverage and other supplemental options
  • Pet insurance
  • A value-based culture where growth opportunities are endless

More…

Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.

California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice 

Required profile

Experience

Level of experience: Mid-level (2-5 years)
Spoken language(s):
English
Check out the description to know which languages are mandatory.

Hard Skills

Risk AnalysisUnderwritingRegulatory ComplianceProcess ImprovementFinancial Services

Other Skills

  • Analytical Skills
  • Decision Making
  • Technical Acumen
  • Collaboration
  • Communication
Are you interested?

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