Risk Analyst

This is a fully remote position, open to applicants in Pakistan.

📋 Description

• Gather, assess, and evaluate applicants' financial, demographic, and historical data and records.

• Review business financial statements, bank statements, and credit reports.

• Maintain direct communication with clients and sales regarding the status of applications.

• Clarify the reasons and timing for any additional documents required to assess client creditworthiness.

• Approve, reject, or request exceptions for applications in accordance with policy guidelines.

• Make informed decisions within the expected service-level agreements.

• Manage the portfolio and identify any suspicious or questionable items.

• Suggest improvements to policies and processes to reduce underwriting failure points.

• Execute bank statement analysis, financial spreading, and risk-ratio analysis resulting in comprehensive underwriting memos.

• Work in partnership with sales, data science, product management, and other stakeholders to provide an exceptional customer experience.

⛳️ Requirements

• 2-3+ years of underwriting experience in financial services, high-growth payments, or fintech industry.

• Strong critical thinking, problem-solving, and analytical abilities.

• Capacity to work independently and excel in a collaborative team setting.

• Outstanding oral and written communication skills.

• Knowledge of the principles of financial risk assessment.

• Familiarity with U.S. compliance, lending, and regulatory frameworks, including KYC, Reg B, Reg Z, UDAAP, FCBA, and the Truth in Lending Act.

• Experience in both quantitative and qualitative analysis.

• Strong organizational and time management capabilities.

• Proven track record in bank-based and financial underwriting.

• Demonstrated proficiency in mathematics and financial spreading.

• Must possess authorization to receive and access commodities and technologies governed by U.S. Export Administration Regulations.

• Employees must be authorized to access Motive products and technology.

🏝️ Benefits

• Equal opportunity employer dedicated to fostering a diverse and inclusive workplace.

• Some interviews or new-hire training sessions may occur in person at one of Motive's global offices.