The role 2026 is a milestone year for Dojo as we solidify our position as the leader in experience economy payments. While our European expansion continues at pace, the UK remains our most established, complex, and high-volume market. As a London-based UK Underwriter, you will serve as a vital guardian of risk integrity, acting as the frontline shield against fraud, financial crime, and credit risks. You will manage a diverse portfolio ranging from high-growth SMBs to complex enterprise-level propositions, utilising expert manual intervention to complement advanced automation. Balancing sharp analytical insight with a proactive approach to decision-making, you will maximise commercial growth and navigate the complexities of our busiest market! What you will do Advanced Risk & Financial Analysis: Execute comprehensive credit and financial assessments for complex UK merchant applications, analysing multi-layered financial accounts and bank statements to mitigate card-processing exposure. Regulatory & Scheme Compliance: Navigate the UK payment landscape to ensure all underwriting decisions align with FCA regulations, card scheme rules, and internal risk policies across diverse industries. End-to-End Exposure Ownership: Own the credit decisioning process by evaluating requested facilities against underlying risk, providing data-driven recommendations and formal rationale for high-exposure cases. Commercial Enablement & Escalation: Partner with commercial teams to find viable onboarding solutions for complex cases, acting as a lead point of contact for escalations and high-level stakeholder management. Lifecycle & Expansion Underwriting: Manage risk assessments for existing merchants undergoing significant profile changes, including expansion into new geographies, product additions, or fundamental business model shifts. Strategic Process Optimisation: Drive operational excellence by developing underwriting policies and refining automation workflows to improve efficiency and accuracy within the UK market. Cross-Functional Leadership & Mentorship: Collaborate with Legal, Compliance, and Financial Crime teams on bespoke contracts while providing technical mentorship and advocacy for the underwriting function. What you will bring Proven Underwriting Experience: Demonstrable experience in a credit risk or underwriting role within a financial institution, specifically applying financial analysis skills. UK Market Expertise: Deep knowledge of the UK market, including UK-specific AML regulations and the ability to validate documentation across different UK legal entity types. Deep Payments Knowledge: A thorough understanding of acquiring risks, card scheme rules, industry regulations and the chargeback process. Analytical Rigour & Subjective Reasoning: The ability to go beyond checklists—applying professional judgement in ambiguous situations to weigh risk factors that do not always follow a formula. Communication & Negotiation: Excellent communication skills, with the ability to articulate complex underwriting decisions and influence stakeholders at all levels. Customer-Centric Growth Mindset: A focus on balancing robust risk management with commercial opportunities and client satisfaction. Adaptability: The motivation to thrive in a high-growth environment, with a passion for innovation and driving change within the payments industry.