About us

Since our founding in 2018, DNA Payments has rapidly grown into one of the largest independent, fully integrated omnichannel payments providers in the UK and Europe. We specialize in helping businesses seamlessly accept payments, whether it's through cutting-edge POS systems or online platforms.

Recognized as one of the top 50 fintech start-ups by Beauhurst, we are a true innovator in the financial space.

Backed by £100 million Private Equity funding from Alchemy, we now process over £1.2 billion every month, serving 60,000+ businesses across the UK and Europe.

Our dynamic team of 375 professionals operate from our London headquarters, with regional offices spanning Hull, Nottingham and Kazakhstan. As we continue to expand, we’re on a mission to empower businesses to thrive through pioneering payment solutions. Join us and be a part of the exciting journey towards reshaping the future of payments.

Role Summary

We’re looking for a Credit Risk Analyst to join our expanding team based in London however this is hybrid role which will include some working from home as well as some travel to our London office. Reporting to Enterprise Risk & Portfolio Manager the purpose of your role is to credit underwrite medium to high-risk Merchants as well as Third parties and complete periodic reviews to ensure we maintain the risk within DNA Payments appetite and adhere to scheme requirements. You will also be responsible with liaising with Insolvency practitioners


Key Responsibilities

• Assess Merchant applications using various tools, analysing bank statements, acquirer statements, credit bureau information and online searches to build a picture of the Merchant
• Financial Analysis – analyse financial statements, comparing year on year trends
• Calculate risk profiles from information provided, or experience within the industry, understanding of chargebacks and refund data.
• Complete credit reports, making recommendations, for approval by Senior Management
• Complete due diligence checks for Corporate Merchant deals, including all applicable regulatory checks.
• Work daily alerts provided by our credit bureaus
• Undertake periodic reviews on our Merchant portfolio
• Deal with Merchants who have gone into Liquidation, liaising with Insolvency practitioners, completing Proof of claim requests.
• Work towards your own personal risk authority.
• Complete due diligence checks on our Third Parties, review policies and procedures and submit recommendations for approval within the Scheme guidelines.
• Analyse Third Party portfolios monthly and complete annual reviews
• Liaise with Sales, Compliance, Transaction Monitoring, chargeback Teams, Third party Agents and Merchants.

Qualifications & Experience

• 3+ years of experience in credit risk management within the financial services or fintech industry.
• Excellent analytical & investigation skills with the ability to assess and mitigate risks effectively
• Financial Analysis preferred but not essential
• In-depth knowledge of UK and EU AML regulatory frameworks and related legislation requirements
• Strong communication skills (both verbal and written) with the ability to liaise with both internal and external stakeholders
• Working knowledge of Microsoft Office is essential

• Good organisational skills, comfortable in managing your own workload and being able to prioritise

What’s in it for you?

You’ll work with a collaborative team and join a fast-growth fintech where you’ll get the chance to learn and develop, and if that’s not enough, you also receive the following benefits.

- 25 days holiday per year
- Private Medical
- Life Assurance
- Ride to work
- Access to self-learning platform
- Bookboon
- Income Protection
- Workplace Pension
- Employee Assistance Programme

Educate, Discover & Inspire

At DNA Payments, we believe that diversity drives innovation and inclusion fosters creativity. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. We celebrate and promote an inclusive environment where all employees feel valued, respected, and empowered.

Join us in creating a workplace that reflects the diverse world and customers we serve.

Should you require any reasonable adjustments throughout the interview process, please make us aware.