Senior Merchant Risk Analyst

2 weeks ago

Shah Alam, Selangor, Malaysia Razer Full time $60,000 - $120,000 per year

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.

Lead Risk Assessment & Underwriting:

  • Evaluate and underwrite complex merchant applications, including high-risk industries and high-value accounts.
  • Conduct Enhanced Due Diligence (EDD) and perform in-depth reviews of business models to identify potential risk factors.
  • Approve or decline merchant applications based on thorough analysis and strategic risk considerations.

 Advanced Portfolio Monitoring & Management:

  • Perform ongoing risk assessments and detailed 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.

 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.

 Policy and Process Enhancement:

  • Develop and refine underwriting and risk management policies to ensure compliance with industry standards.
  • Implement process improvements to enhance the efficiency and effectiveness of risk assessments.

 Stakeholder Engagement & Reporting:

  • Serve as the primary contact for escalated risk cases, providing clear analysis and strategic recommendations.
  • Collaborate with Sales, Operations, and Compliance teams to support business needs and strategic decisions.
  • Prepare and present comprehensive risk reports and insights for senior management.
Pre-Requisites :

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.

Are you game?

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