Commercial Risk Analyst - BNPL

at  iwoca

THE REQUIREMENTS

Essential:

• Commercial experience of working in a Commercial Risk or FinCrime team.
• Strong analytical, critical thinking, and decision-making skills.
• Proven stakeholder management skills.
• Customer-facing and dispute resolution skills.

Bonus:

• Excellent report writing and presentation skills.
• To be highly organised and have a structured working style.
• Fluency in English with excellent communication skills.

Work with other teams to share knowledge and good practices:

• You’ll work with Seller Account Managers to help train and educate seller staff on compliance issues from time to time.
• You’ll work closely with our central Fraud, Legal, and Compliance Teams to help improve and share knowledge across the business.
• You’ll work closely with various in-house sub-Teams, such as Sales, Operations, Product, and Tech in regard to operational issues, sharing knowledge, creating reporting

Develop & implement effective fraud / risk strategies & policies:

• You’ll create and maintain all key policy and operational documentation and guidance.
• You’ll lead the rollout of new policies and processes and follow up / refresh on an ongoing basis.
• You’ll develop strategies to manage and mitigate seller counterparty risks and monitor a large portfolio of onboarded merchants using various third party data sources in regard to counterparty risk and, where necessary, relationship termination.
• You’ll define, maintain and update risk registers, providing regular reports to senior management.

Investigate and manage disputes and disruptions:

• You’ll lead investigations into operational risk incidents, develop corrective actions, and prevent recurrences.
• You’ll investigate and resolve any Seller > Borrower disputes and refunds, making contact with third parties if required and liaising with our Complaints and Finance Teams where necessary.

Work with other teams to share knowledge and good practices:

• You’ll work with Seller Account Managers to help train and educate seller staff on compliance issues from time to time.
• You’ll work closely with our central Fraud, Legal, and Compliance Teams to help improve and share knowledge across the business.
• You’ll work closely with various in-house sub-Teams, such as Sales, Operations, Product, and Tech in regard to operational issues, sharing knowledge, creating reporting.