Underwriting Analyst

3 months ago

Toronto, Canada Faire Full time

**About Faire**

Faire is an online wholesale marketplace built on the belief that the future is local — independent retailers around the globe are doing more revenue than Walmart and Amazon combined. At Faire, we're using the power of tech, data, and machine learning to connect this thriving community of entrepreneurs across the globe. Picture your favorite boutique in town — we help them discover the best products from around the world to sell in their stores. With the right tools and insights, we believe that we can level the playing field so that small businesses everywhere can compete with these big box and e-commerce giants.

By supporting the growth of independent businesses, Faire is driving positive economic impact in local communities, globally. We're looking for smart, resourceful and passionate people to join us as we power the shop local movement. If you believe in community, come join ours.

**About this role**

Faire's Risk team is seeking a highly motivated Underwriting Analyst to help us empower small businesses by providing them with credit limits that enable them to grow. The underwriters at Faire conduct due diligence and credit risk analysis to determine appropriate credit limit amounts for retailers.

**What you'll do**
- Perform due diligence on businesses to prevent fraud
- Propose and implement improvements to risk management policies, procedures, and tools
- Identify issues and gaps, and develop data-driven recommendations to enhance our underwriting operations
- Work cross-functionally with teams such as Data Science, Engineering, and Product in order to drive product improvements, new feature releases, and efficiency improvements
- Work with Sales and Support teams to streamline communication, improve efficiencies, and provide a world-class customer experience

**Qualifications**
- 3-6 years of experience in financial services, tech, or related industry, with minimum 1+ years of experience in small business commercial credit underwriting
- Experienced in conducting comprehensive analysis of business banking data and financial statements to evaluate revenue, liquidity, leverage, and cash flow trends
- Ability to spot patterns from discrete and vague data points (e.g. social media, financial data, Faire transactional data)
- Strong critical thinking, analytical, and financial evaluation skills
- The capacity to make complex decisions under pressure in a fast-paced setting
- Strong customer focus and the ability to balance Risk mitigation alongside a positive customer experience Passionate, relentless resourcefulness and the ability to thrive at a fast-paced startup
- you're willing to do what needs to be done for the success of your team and you are comfortable with change

**Great to Haves**
- Experience underwriting small business loans at a fintech/online lender
- Data analysis skills and proficiency in SQL
- Experience analyzing tax returns and financial statements
- Basic knowledge of financial risk modeling and experience working with Data Science teams

**Salary Range**

Canada: the pay range for this role is $72,000 - $99,000 per year.
- Faire's flexible work model aims to meet the needs of our diverse employee community by making work more flexible, connected, and inclusive. Depending on the role and needs of the team, Faire employees have the flexibility to choose how they work-whether that's mainly in the office, remotely, or a mix of both._
- Roles that list only a country in the location are eligible for fully remote work in that country or in
- Applications for this position will be accepted for a minimum of 30 days from the posting date._

**Why you'll love working at Faire**
- **We are entrepreneurs**:Faire is being built for entrepreneurs, by entrepreneurs. We believe entrepreneurship is a calling and our mission is to empower entrepreneurs to chase their dreams. Every member of our team is taking part in the founding process.
- **We are using technology and data to level the playing field**: We are leveraging the power of product innovation and machine learning to connect brands and boutiques from all over the world, building a growing community of more than 350,000 small business owners.
- **We build products our customers love**: Everything we do is ultimately in the service of helping our customers grow their business because our goal is to grow the pie - not steal a piece from it. Running a small business is hard work, but using Faire makes it easy.
- **We are curious and resourceful**: Inquisitive by default, we explore every possibility, test every assumption, and develop creative solutions to the challenges at hand. We lead with curiosity and data in our decision making, and reason from a first principles mentality.

Faire was founded in 2017 by a team of early product and engineering leads from Square. We're backed by some of the top investors in retail and tech including: Y Combinator, Lightspeed Venture Partners, Forerunner Ventures, Khosla Ventures

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