Senior Underwriter

**At Moss, we help companies spend smarter. We’re a place where aspiring, adaptable quick-thinkers thrive, and we’re set to become the next leading spend management platform in the European FinTech industry.**

Join Moss' dynamic Underwriting team as a **Senior Underwriter (f/m/d).** In this role, you will focus on assessing credit risk for our SMB/SME customers across different markets in Europe (NL, UK, and DE). This role offers a decision-making power towards our credit offer for our customers. You will have a direct influence on our business, balancing our risk appetite and hence ensuring our growth every day. As a part of a highly experienced team, you have the opportunity to constantly grow, learn and develop in your knowledge.

**Your responsibilities**

Here's a bit more on what you can expect to be doing day-to-day:

- ** Monitor Moss’ credit portfolio** - Monitor and evaluate the performance of Moss’ credit portfolio, ensuring that customers are meeting their credit obligations. Take proactive actions, leveraging data insights, to mitigate risk effectively
- ** Provide an excellent stakeholder experience**:

- Actively engage with senior and management level stakeholders to support in the agreement on new policies, risk appetite and future product development
- ** Define policies and procedures - **Alongside senior leadership, you support in setting up new underwriting processes and operational policies, integrating data-driven methodologies to inform policy formulation and ensure alignment with organizational objectives.
- ** Lead and own high-impact projects** - Drive the development and growth of the team, assuming high responsibility for shaping and executing strategic initiatives to enhance team performance and achieve organizational objectives

**About you**

We think you’ll need the following **experience and qualifications** to succeed in the role:

- Previous experience underwriting B2B financial products
- Fluent in English

In addition, here are the **skills and attributes** we are looking for:

- ** Inquisitive mindset**: you possess a keen ability to analyse data, trends, and risk factors, coupled with comprehensive B2B industry knowledge. You leverage this combination to craft decisions that balance regulators policies with customer needs and our risk appetite, ensuring impactful outcomes.
- ** Customer-Focused -** You empathize with customers' needs, ensuring flawless experiences, while taking ownership of solving complex issues to prevent recurrence.
- ** Adaptive Communicator - **You are able to communicate complex underwriting topics to a range of audiences in a clear, concise, and expert manner.
- ** Strategic Prioritiser - **You manage multiple requests from stakeholders. You can effectively handle ever-changing obstacles and adjust their priorities, with support of your Senior team members, to meet deadlines in a timely and efficient manner.
- ** Diligent - **You are focused, methodical and attentive to detail. You are dedicated to producing error-free and accurate work whether you’re working on operational tasks or when preparing strategies, plans or procedures.

**Our offer**

We believe the greatest benefit we can offer you is the opportunity to develop your skills and progress your career - we’d like to help you on that journey. Here's what else you can expect:

- An attractive compensation package, including our company stock option plan
- An annual learning budget of 600 euros
- Unlimited access to our mental health and wellbeing offering, including 1-on-1 coaching sessions
- An Urban Sports Club membership
- 20 days (4 weeks) working from abroad

**About Moss**

Moss is a SaaS business founded in Berlin. In less than three years we have built a passionate team of 200+ people from 40+ nationalities in 6 offices across Europe.

To date, we’ve helped over 3000 businesses in Germany, Netherlands and the UK to spend smarter. Our leading spend management solution encompasses corporate cards, invoice management, reimbursement and controlling modules that help finance teams save thousands of hours in manual data processing and gain complete control while enabling their teams.

Moss has raised a total of €130 million in funding and is backed by renowned tech investors including Valar Ventures, Tiger Global, Global Founders Capital, Cherry Ventures and A-Star.

**_ Not only do we embrace and celebrate the diversity of our customer base, but we also strive to do the same for our growing team. At Moss, we offer equal employment opportunities regardless of race, color, ethnicity, ancestry, religion, national origin, gender, sex, gender identity or expression, sexual orientation, age, citizenship, marital or parental status, disability, or other class protected by applicable law._