Senior Underwriter (France)
Dojo · Paris, Île-de-France, France
- On site
- Full-time
- €70,000 / year
- Paris, Île-de-France, France
Job highlights
- Lead complex underwriting cases in France.
- Analyze credit, fraud, and AML risks.
- Mentor junior underwriters and train teams.
- Collaborate with legal and commercial teams.
- Develop underwriting policies and projects.
About the role
About Dojo
We e 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 e 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.
A French version of this offer is available at the bottom of the page.
The Role
As we continue our expansion into Europe, we are looking for someone as ambitious as we are to join our Paris-based underwriting team focusing on the French market to act as a shield between Dojo and any fraud, AML and credit risks we may face. At the rate we e growing, applications from a variety of businesses from small to enterprise come in thick and fast; you ell use your insight and understanding across both financial and relevant non-financial information to ensure they meet Dojo risk appetite.
As the French Market Senior Underwriter, you will play a critical role in protecting Dojo from financial, fraud, and reputational risks while enabling sustainable growth in the French market.
Sitting at the intersection of commercial enablement and expert risk mitigation, you will take ownership of our most complex and high-value credit-risk cases, often involving bespoke financial arrangements, complex French legal structures, and scaling propositions.
You will bring deep credit and risk expertise to the table and will be trusted to mentor team members on advanced financial analysis, lead risk-related projects, and confidently represent the underwriting function with senior stakeholders, including Commercial Leads, Legal teams, and Country Managers.
This is a high-impact role where your decisions directly influence Dojo's growth, risk appetite, and the professional development of the local team.
What You Will Do...
Advanced Credit Risk Analysis and Decision Authority
- Lead Complex Underwriting Cases: Assess and make recommendations on complex French merchant applications, focusing on those involving significant credit risk exposure, enterprise clients, high-risk industries, and bespoke financial arrangements.
- Card Schemes Knowledge: Exercise decision authority with a deep understanding of all acquiring risks, card scheme regulations, and the chargeback process.
- Credit & KYC Expertise: Perform detailed credit assessments using expert analysis of French financial accounts, balance sheets, and cash flow statements. Navigate multi-jurisdictional and complex French ownership structures during KYC/KYB reviews.
- Decision Authority & Escalation: Make decisions within your own delegated underwriting authority and recommend cases beyond your limit to the appropriate sanctioning level, always providing clear, concise rationale and comprehensive documentation.
Team Enablement and Mentorship
- Mentorship & Training: Act as the Subject Matter Expert (SME) for credit risk, providing coaching, guidance, and training to underwriters and associates. Support the development of technical knowledge, underwriting judgment, and advanced financial analysis skills within the French team.
- Team Guidance & Workflow Support: Play a visible leadership role in supporting BAU operations through task allocation and prioritisation, monitoring daily workflows, and helping the team stay focused and engaged, particularly during periods of high volume or complexity.
- Stakeholder Engagement: Partner with Commercial Leads, Legal, Compliance and the French Country Manager to resolve high-impact underwriting queries, escalate complex cases, and influence commercial strategies through an expert risk lens.
- Contract Review & Negotiation: Collaborate directly with the Legal team on reviewing, negotiating, and finalising contractual arrangements and security requirements for high-risk or custom merchant onboarding.
Project Ownership and Policy Development
- Project Ownership: Represent the risk function in cross-functional projects, system upgrades, automation initiatives and product launches, ensuring core risk requirements and French market nuances are built into solutions from the outset.
- Policy Development: Drive continuous improvement by contributing to local underwriting policies, process enhancements, and risk tooling with a focus on scalability and effectiveness for the French market.
Fraud & AML Mitigation
- Risk Oversight: Identify and escalate indicators of fraud, AML, or reputational risk associated with French applicants, recommending appropriate security measures or contractual protections to safeguard Dojo's interests.
- Regulatory Compliance: Apply an understanding of French and EU regulatory and risk frameworks while helping maintain consistency in global underwriting standards.
What You Will Bring...
Expertise & Knowledge
- Depth of Experience: Extensive underwriting and credit risk experience in payments, banking, or financial services, with a proven background in credit analysis.
- Technical Knowledge: Strong understanding of credit, fraud, AML risks, card scheme regulations, and chargeback processes.
- Educational Background: Degree-qualified (or equivalent experience) in Finance, Economics, or a related discipline. Relevant professional certifications are highly desirable.
- Languages: Fluency in French and English is essential.
- Authority & Judgment: Experience working under your own delegated underwriting authority and confidence in handling senior-level escalations.
- Commercial Acumen: Ability to balance risk and growth, offering solutions that enable strategic French merchant onboarding without compromising control integrity.
- Leadership Qualities: Motivated to contribute to the development of others through mentorship and thought leadership within the French team.
Dojo Home and Away
We believe our best work happens when we collaborate in-person. These ogether 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. With offices across Europe, we know a thing or two about staying dynamic. Need deep focus? Head to a quiet zone. Big ideas? Collaboration spaces have you covered. Just here for a catch-up? Our social hubs make it easy. Do work that counts, in spaces made for you.
Question: what ’s curious, relentless, and customer obsessed?
If you ’re keen to know the answer, you ’re a third of the way to meeting our Dojo values. If the following speak to you, let ’s talk: You ’re curious. You have a real desire to learn and create. You ’re relentless. You keep going even when it ’s easier not to. You ’re customer-obsessed. You know how important customers are to what you do.
Diversity, Equity, and Inclusion at Dojo
From local bakeries to well-known eateries, Dojo payments serve over 150,000 places across the UK. And something that ’s fundamental to creating relevant, innovative products at Dojo is to build teams to reflect the diversity of the businesses we serve. Our drive to improve diversity, equity, and inclusion is closely linked to helping employees thrive and innovating for better customer experiences. If you care about your work, you ’re curious, and you think customer-first, you have a place at Dojo. To make sure you ’re the best you can be throughout the recruitment process, let us know if you need any extra adjustments to help you thrive. Visit dojo.careers to find out more about our benefits and what it ’s like to work at Dojo, or check out our LinkedIn and Instagram pages.
Key skills/competency
- Senior Underwriter
- Credit Risk Analysis
- Fraud and AML Mitigation
- Card Scheme Regulations
- KYC/KYB
- Financial Analysis
- Stakeholder Engagement
- Policy Development
- French Market Expertise
- Mentorship and Leadership
Skills & topics
- Senior Underwriter
- Credit Risk
- Fraud
- AML
- Payments
- Financial Services
- Underwriting
- Risk Management
- French Market
- Paris
How to get hired
- Tailor your resume: Highlight your extensive underwriting and credit risk experience in payments, banking, or financial services, specifically mentioning your background in credit analysis. Emphasize your expertise in French financial accounts, balance sheets, and cash flow statements.
- Showcase language skills: Clearly state your fluency in both French and English, as this is essential for the role and working with international teams.
- Demonstrate risk expertise: Detail your understanding of credit, fraud, AML risks, card scheme regulations, and chargeback processes. Provide examples of how you have navigated complex ownership structures and worked under delegated authority.
- Highlight leadership potential: Use your resume to show your experience in mentoring and training, and your ability to represent the underwriting function to senior stakeholders. Mention any experience in policy development or cross-functional projects.
- Research Dojo's values: Understand Dojo's core values of curiosity, relentlessness, and customer obsession, and be prepared to articulate how you embody these in your work and professional approach during interviews.
Technical preparation
Behavioral questions
Frequently asked questions
- What is the primary focus of the Senior Underwriter role at Dojo in France?
- The Senior Underwriter for the French market will focus on protecting Dojo from fraud, AML, and credit risks by assessing merchant applications and ensuring they meet Dojo's risk appetite. This role involves handling complex credit risk cases and contributing to sustainable growth in the French market.
- What are the essential language requirements for the Senior Underwriter position at Dojo?
- Fluency in both French and English is essential for this role. You will be working daily with international teams based in London, making strong communication skills in both languages critical for success.
- What is Dojo's approach to work arrangements and company culture?
- Dojo has an office-first culture, emphasizing in-person collaboration for communication, innovation, and idea generation. This typically means working from the office 4 or more days per week. They offer dynamic office spaces designed for focus, collaboration, and social interaction.
- How does Dojo ensure diversity, equity, and inclusion within its teams?
- Dojo is committed to building teams that reflect the diversity of the businesses they serve. Their drive for DEI is linked to helping employees thrive and innovating for better customer experiences. They also offer accommodations during the recruitment process if needed.
- What kind of decision-making authority does the Senior Underwriter have?
- The Senior Underwriter will have their own delegated underwriting authority and will make decisions within that limit. For cases exceeding this limit, they will recommend to the appropriate sanctioning level, providing clear rationale and documentation.
- What specific expertise is required for the Senior Underwriter role at Dojo?
- The role requires extensive underwriting and credit risk experience in payments, banking, or financial services, with a strong background in credit analysis. You'll need a deep understanding of credit, fraud, AML risks, card scheme regulations, and chargeback processes, as well as expertise in French financial and legal structures.
- How will the Senior Underwriter contribute to team development at Dojo?
- As a Subject Matter Expert (SME), the Senior Underwriter will provide coaching, guidance, and training to other underwriters and associates. They will support the development of technical knowledge, underwriting judgment, and advanced financial analysis skills within the French team.