Risk Analyst

Motive

Risk Analyst assessing customer creditworthiness for Motive's AI-powered fleet-management platform. Reviewing financials, making underwriting decisions, and managing portfolio risk.

Posted 9/11/2026full-timeRemote • 🇵🇰 PakistanJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial underwriting, including bank statement analysis and risk assessment, while effectively communicating with clients and stakeholders to enhance the customer experience. Proficient in navigating U.S. compliance and regulatory frameworks relevant to lending and financial services.

Highest-signal resume keywords

Underwriting ExperienceFinancial Risk AssessmentBank Statement AnalysisRegulatory ComplianceQuantitative Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial SpreadingRisk-Ratio AnalysisCredit Report AnalysisPortfolio ManagementDecision Making

Soft Skills

Critical ReasoningProblem SolvingCommunication SkillsOrganization SkillsTime Management

Industry Keywords

KYCReg BReg ZUDAAPFCBATruth in Lending ActFinancial ServicesFintechPayments

About the role

Key responsibilities & impact

Collect, review, and analyze applicants' financial, demographic, and historical information and records
Analyze business financial statements, bank statements, and credit reports
Communicate directly with clients and sales about application status
Explain why and when additional documents are needed to determine client creditworthiness
Approve, decline, or seek exceptions for applications based on policy guidelines
Make quality decisions within expected service-level agreements
Perform portfolio management and identify suspicious or questionable items
Recommend policy and process improvements to mitigate underwriting failure points
Conduct bank statement analysis, financial spreading, and risk-ratio analysis culminating in underwriting memos
Collaborate with sales, data science, product management, and other stakeholders to deliver a strong customer experience

Requirements

What you’ll need

2-3+ years of underwriting experience in financial services, high-growth payments, or fintech company
Strong critical reasoning, problem solving and analytical skills
Ability to work independently and thrive in a collaborative team environment
Excellent oral and written communication skills
Familiarity with fundamentals of financial risk assessment
Familiarity with the U.S. compliance, lending and regulatory environment, including KYC, Reg B, Reg Z, UDAAP, FCBA, and Truth in Lending Act
Experience with quantitative and qualitative analysis
Strong organization and time management skills
Proven experience with bank-based and financial underwriting
Demonstrated competency in mathematics and financial spreading
Must be authorized to receive and access commodities and technologies controlled under U.S. Export Administration Regulations
Employees must be authorized to receive access to Motive products and technology

Benefits

Comp & perks

Equal opportunity employer committed to creating a diverse and inclusive workplace
Some interviews or new-hire training sessions may be held in person at one of Motive's global offices