Merchant Risk Analyst & Underwriting

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 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 review detailed business models to identify potential risk factors.
• Approve or decline applications based on deep analysis and strategic risk considerations.
• 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.
• 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 Improvement:
• Develop and refine underwriting and risk management policies to ensure best practices.
• Mentor and guide junior analysts, providing training and reviewing complex cases.
• 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.
  
  
  

Are you game?