Senior Merchant Underwriter, Risk Operations
ClarityPay (company site, opens in a new tab)5–10 yrsBengaluruOn-siteDirect career pageEst. 12–22 LPA
Posted 1d ago
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Job description
Structured overview of role & requirements
About This Role
- Own the human-judgment layer of merchant underwriting by reviewing escalated AI-flagged cases and providing final sign-off within defined risk appetite and service levels.
- Conduct detailed merchant due diligence including financial analysis, public records, and risk assessment to recommend exposure limits and risk mitigants.
- Continuously improve underwriting workflow by providing feedback to automation and policy, maintaining compliant documentation, and ensuring quality through peer reviews.
Minimum Requirements
- 5–10 years of direct merchant underwriting or counterparty risk experience with final sign-off responsibility, including in payments, BNPL, fintech, or business credit underwriting.
- Experience in a risk operations environment with automated/rule-based underwriting and escalation for final review.
- Bachelor’s degree in finance, accounting, economics, business, or related field preferred.
- Working knowledge of KYB/AML compliance, sanctions screening, and applicable federal/state regulations.
Ideal Candidate Profile
- Experienced in handling complex and high-exposure merchant cases requiring independent judgment across financial, operational, and legal data points.
- Comfortable operating at the intersection of AI-driven automation and human decision-making in a fast-paced, scalable risk environment.
- Skilled in documenting defensible decisions clearly for diverse internal stakeholders and improving underwriting policies and AI workflows.