Joining Razer will place you on a global mission to revolutionize the way the world games. Razer is a place to do great work, offering you the opportunity to make an impact globally while working across a global team located across 5 continents. Razer is also a great place to work, providing you the unique, gamer-centric #LifeAtRazer experience that will put you in an accelerated growth, both personally and professionally.
Job Responsibilities :
The Senior Merchant Risk Analyst & Underwriting role is responsible for managing complex risk evaluations and ensuring robust risk management strategies are in place for high-risk merchants. This position involves conducting in-depth assessments of new and existing merchants, leading Enhanced Due Diligence (EDD), and making high-level decisions to safeguard the company's financial interests and regulatory compliance. The Senior Analyst will collaborate closely with internal teams, mentor junior analysts, and serve as a key decision-maker in escalated risk cases.
1. Lead Risk Assessment & Underwriting:
- Evaluate and underwrite complex merchant applications, including high-risk industries and high-value accounts.
- Conduct Enhanced Due Diligence (EDD) and review detailed business models to identify potential risk factors.
- Approve or decline applications based on deep analysis and strategic risk considerations.
2. Advanced Portfolio Monitoring:
- Perform ongoing risk assessments and in-depth reviews of the merchant portfolio, flagging high-risk behaviors.
- Oversee Ongoing Due Diligence (ODD) and ensure all high-risk merchants meet regulatory and compliance requirements.
3. Assist in Team Management & Mentoring:
- Assist the Manager in leading the underwriting team, providing daily support and direction.
- Mentor junior analysts by reviewing their work, offering feedback, and providing training on complex cases.
- Support team performance by ensuring adherence to best practices and risk management policies.
4. Policy and Process Improvement:
- Develop and refine underwriting and risk management policies to ensure best practices.
- Mentor and guide junior analysts, providing training and reviewing complex cases.
5. Stakeholder Engagement & Reporting:
- Serve as the primary contact for escalated cases, providing clear risk analysis and recommendations.
- Collaborate with Sales, Operations, and Compliance teams to support strategic business decisions.
- Prepare and present comprehensive risk reports and insights for senior management.
Pre-Requisites :
- Bachelor's Degree in Finance, Business Administration, Economics, Risk Management, or a related field.
- Professional certifications in risk management, compliance, or fraud prevention are strongly preferred.
- 5+ years of experience in risk analysis, underwriting, or a related field, ideally within the e-commerce or payments industry.
- Proven track record handling complex risk assessments and high-risk merchant cases.
- In-depth understanding of risk management principles, fraud detection, and compliance standards.
- Strong decision-making capabilities with the ability to evaluate high-impact cases.
- Proficiency in using risk management tools and advanced data analysis.
- Excellent communication skills for stakeholder management and mentorship.
- Ability to work independently and lead initiatives within a fast-paced environment.
- Willingness to work in I-City, Shah Alam.
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