Capital Underwriter

Hi there! Thanks for stopping by 👋

Are you actively looking for a new opportunity? Or just checking the market? Well… you might just be in the right place!

We’re looking for an Underwriter to join our global Lightspeed Capital team. You will be responsible for all aspects of underwriting, boarding, and risk, you will be the primary point of contact for merchants throughout the entire Capital lifecycle. From eligibility through funding and repayment, you will support merchants throughout each step of the process. You will be a critical contributor to a fast-growing team and program, working to grow a mission-critical Lightspeed program.

What you’ll be doing:

• Conduct due diligence and  accurate and complete reviews of new merchants applications, and make funding recommendations;
• Validate all documents provided with new applications using online publications and resources provided;
• Review and analyze new, pending merchants' credit and business reports to assess potential future liability;
• Communicate underwriting decisions to merchants account managers, and coordinate with both groups to clarify information for applications that do not pass through Level 1 underwriting;
• Board all applications and advances in our system, create custom contracts when required;
• Advocate for the Lightspeed Capital program, within the organization as well as to our customers;
• Help merchants to understand the Lightspeed Capital program, benefits, process, and requirements

What you need to bring:

We’re a team of 8 people located globally.

We're looking for a candidate who has experience with the following:

• Exceptional communication (verbal and written) in English
• Knowledge of payments, financial statements, and the banking industry
• Strong attention to detail
• Highly organized and able to manage multiple tasks
• Comfortable working in a fast-paced environment
• Adaptable to changing priorities and challenges
• Strong sense of empathy and ability to collaborate cross-functionally

Even better if you have, but not necessary:

• Background in finance
• Experience collaborating with global teams
• Experience with data entry
• Exceptional communication (verbal and written) in French

We know that people are more than what’s on their CV. If you’re unsure that you have the right profile for the role... hit the ‘Apply’ button and give it a try!

What’s in it for you?

Come live the Lightspeed experience...

• Ability to do your job in a truly flexible hybrid environment (3 days/week in office);
• Genuine career opportunities in a company that’s creating new jobs everyday;
• Work in a team big enough for growth but lean enough to make a real impact.

… and enjoy a range of benefits that’ll keep you happy, healthy and (not) hungry:

• Lightspeed RSU program (we are all owners)
• Unlimited paid time off policy
• Flexible working policy
• Health insurance
• Health and wellness benefits
• Possibility for transit fees to be covered
• Paid leave assistance for new parents
• Linkedin learning
• Volunteer day

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes.

Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Where to from here?
Obviously, this has to be mutually beneficial: we want you to step into a role you love, and we want to offer you a place you’re proud to come to every day. For a glimpse into our world check out our career page here.

Lightspeed is building communities through commerce, and we need people from all backgrounds and lived experiences to do that. We were founded in 2005, in Montreal’s gay village and our original members were all part of the LGBTQ+ community. The ethos of our business has been about inclusion from the very beginning, and we strive to provide a workplace where everyone belongs.

Who we are:
Powering the businesses that are the backbone of the global economy, Lightspeed's one-stop commerce platform helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Our cloud commerce solution transforms and unifies online and physical operations, multichannel sales, expansion to new locations, global payments, financial solutions, and connection to supplier networks.