Underwriting Analyst

About Unlimit   Unlimit is the global fintech powerhouse behind the world's largest proprietary payments infrastructure. Founded in 2009, Unlimit operates across 17 global offices with 700+ experts, seamlessly integrating 1,000+ payment methods into a single platform. From London to São Paulo, we empower businesses to scale across borders with a unified suite of financial tools — including payment processing, alternative payment methods, multicurrency business accounts, card issuing, banking-as-a-service, and crypto on- and off-ramps. Our mission is to break down financial barriers and enable seamless money movement across borders. We give forward-thinking businesses the tools to accept, send, and manage payments effortlessly, wherever they operate.

About the job:
Underwriting analyst will review and complete underwriting and credit analysis of applications by applying sound underwriting judgment and adhering to company policy. In this role, you will be responsible for reviewing potential and existing merchants from a risk, regulatory and compliance perspective.
Part of this role is also to facilitate the Company's growth by scaling internal processes and focus on continuous optimization and automation.

Main duties and responsibilities:
- Ensure adherence to Company and Card Schemes rules and policies - Adhere to underwriting standards, instructions and good practice to minimize risk and maximize efficiency - Perform underwriting and risk assessment (including but not limited to credit risks) of new and existing customers - Perform calculation of the financial risk exposure and the relevant risk mitigation measures - Setup processes, monitor and execute checks related to merchants on-boarding and monitoring - Evaluate existing procedures to refine and optimize merchant on-boarding and monitoring process - Provide advice and support to internal stakeholders with regards to new and existing merchants questions around merchant on-boarding - Provide support for periodical reviews and audits - Continuous process improvement and sharing best practice
Main qualification, skills and experience:
- At least 3 years of experience in acquiring and merchants underwriting - Understanding of AML, KYC, PCI and Internal Controls - Knowledge of Card Schemes rules and regulations in relation to merchants onboarding and monitoring - Solid practical knowledge of credit risk assessment - Extremely detail-oriented, organized and have the ability to multi-task - Able to work in an independent way, while at the same time to be a strong collaborator, connecting with colleagues and sharing ideas to improve effective teamwork - Take initiative, ownership and committed to challenging the status quo - Self-starter who enjoys a fast-paced environment - Excellent written and verbal communication - Analytical skills to identify and assess potential fraud and compliance issues - Demonstrated skills in risk assessment. The ability to escalation when appropriate
We offer:
- Attractive monthly salary paid in line with experience - Vacation, sick, and paid holidays - A modern office workplace with all necessary equipment in Limassol - Full-time: 5/2 (Saturday and Sunday days off) - A team of top international professionals to learn from - Multicultural working environment
Join Unlimit Team now
Unlimit is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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