Credit Risk Underwriter (September)

We’re reinventing payments. In less than four years, Dojo disrupted the market to become the largest and most loved acquirer in the UK. Our payments infrastructure, purpose-built for in-person commerce, is game changing.

Now, over 150,000 customers across four countries choose to transact billions with us every year. But we’re just getting started. Our people are the driving force behind our success.

They are our greatest investment and our ultimate competitive advantage. We hire exceptional people and give them the autonomy, trust, and ownership to thrive. The results take care of themselves.

What You Will Do

: Support Application Reviews: Assist in evaluating merchant applications to ensure a balanced approach between commercial opportunity and risk, while maintaining service quality and speed.

Requirements

Learn Risk Assessment Techniques: Begin to understand how to identify red flags, assess business models, and review basic financial and KYC/KYB documentation under supervision. Assist in Credit Evaluations: Help the team review financial and operational data to flag credit or fraud risks and build foundational knowledge of risk indicators. Compliance Support: Learn how to support KYC/KYB reviews and documentation checks, ensuring all merchant onboarding aligns with relevant regulations and company standards.

Understand Acquiring Risks: Build awareness of payment industry risks and how Dojo protects against them across diverse sectors. Partner with Commercial Teams: Support sales and account managers by helping resolve risk-related questions, following up with pended applications and contributing to smoother, faster onboarding experiences. Collaborate Cross-Functionally: Work with Compliance, Financial Crime, and Operational teams to understand how we manage risk throughout the merchant journey.

Contribute to Continuous Improvement: Share observations and feedback to help enhance underwriting tools, processes, and merchant experience as you learn. Proactive Problem Solving: Develop the ability to identify potential roadblocks in the onboarding process and work collaboratively to find effective solutions. What You Will Bring: Desire to Learn: A strong interest in risk, compliance, or finance, with a growth mindset and a willingness to get stuck in and build practical knowledge from the ground up.

Detail Orientation: A methodical and careful approach to reviewing documentation, with a natural curiosity for spotting inconsistencies or patterns. Understanding of KYC Principles: Basic awareness of Know Your Customer (KYC) and Customer Due Diligence (CDD) concepts and the importance of regulatory compliance. Subjective Reasoning: An ability to go beyond checklists—willing to consider the bigger picture, apply judgment in ambiguous situations, and learn how to weigh risk factors that don’t always follow a formula.

Clear Communicator: Comfortable asking questions, learning how to explain your thinking, and working with colleagues across functions. Commercially Aware: Understands that onboarding is about balancing opportunity with risk—and is keen to learn how we make smart decisions that support both. Collaborative Attitude: A team player who enjoys working in a fast-paced, supportive environment, and is ready to contribute from day one.

Proactive and Resourceful: Demonstrates initiative in tackling challenges and finding solutions, with a willingness to go the extra mile to deliver them. Language Skills: Fluency in Spanish and English is essential. Dojo home and away We believe our best work happens when we collaborate in-person.

These “together days” foster communication, drive innovation and spark our brightest ideas. That's why we have an office-first culture. This means working from the office 4+ days per week.