Senior Underwriting Analyst, Quality Control

Company Description We’re Checkout.com . You might not know our name, but companies like eBay, Spotify, Klarna, Uber, and Sony do, because we’re behind many of the digital experiences you use every day. We are where the world checks out, enabling over 10 billion transactions yearly for more than one billion global shoppers. Whether you want to book a holiday, order food, renew a subscription, or check out online, there’s a good chance our tech powers the payments behind the scenes. Our platform helps the most ambitious businesses deliver effortless digital experiences, at scale. If you want to do career-defining work, you’ve come to the right place. We move fast, think globally, and believe great teams are built by hiring exceptional people with conviction, curiosity, and the desire to make an impact. With 20 offices across six continents and London as our HQ, we’re shaping the future of fintech – and we’re just getting started. Role purpose The Senior Analyst, Underwriting Quality Control (QC) will establish and continually improve a consistent, risk-based quality control framework for work completed by Underwriters. The role will build on existing QC practices and tools, tailoring them to the Underwriting lifecycle, products, risk decisions and operating model. The role provides an objective, evidence-led check that underwriting assessments and outcomes are complete, consistent, appropriately documented and aligned with internal policy, procedures and applicable requirements. It will turn review results into clear management information, actionable feedback, targeted training and measurable improvements in underwriting quality. This is a hands-on role. The Senior Analyst will conduct QC reviews, maintain the framework and reporting, follow findings through to verified remediation, and work with Underwriters and leaders to address recurring gaps. The role reports to the Director of Underwriting and influences quality across the function without replacing the Underwriter’s decision-making accountability. Key responsibilities Build and own the QC framework • Assess existing QC materials, controls, data and workflows; identify what should be retained, improved or introduced for Underwriting. • Design, document and implement an Underwriting-specific QC framework, including scope, risk-based sampling, review cadence, test scripts, scoring and severity definitions, evidence standards, escalation routes, dispute handling, calibration and remediation expectations. • Tailor testing to the relevant underwriting stages, products, merchant and business models, risk tiers and applicable regional requirements. • Define practical service levels and ownership for review, feedback, acknowledgement, remediation, re-review and closure, agreeing these with Underwriting leadership. • Establish appropriate governance and records so that QC decisions and remediation are traceable and ready for internal or external review. Perform and calibrate QC reviews • Review completed underwriting cases and test whether the case record is complete, and appropriately documented. Depending on case scope, this may include business model products, services and geographies; ownership, control and beneficial ownership; company and identity evidence; KYC/KYB and screening outcomes; licences and regulatory status; financial and operational evidence and accurate system records. • Identify missing, inconsistent, stale or insufficient evidence, and opportunities to improve decision quality. Drive remediation and constructive challenge • Communicate findings promptly, clearly and fairly to the relevant Underwriter and manager, with evidence and an actionable explanation of what needs to change. • Track acknowledgement, corrective action and deadlines; proacti