Senior Merchant Underwriter

The Senior Merchant Underwriter will play a key role in evaluating credit exposure and making informed risk decisions for new merchant applications and existing accounts.
With a focus on medium- and high-risk businesses, including high-volume, e-commerce, and forward-delivery merchants, you will assess financial stability and identify potential risks before they impact payment operations.
You will develop appropriate risk mitigation strategies, recommend approval conditions, and ensure underwriting decisions align with industry standards and compliance requirements.
Working independently within established approval authority, you will handle complex cases while collaborating with transaction risk teams, senior management, and external partners.
This role also offers the opportunity to mentor junior underwriters, strengthen underwriting practices, and contribute to consistent, high-quality risk assessments.
Your analytical expertise and sound judgment will help protect financial performance while supporting responsible merchant growth in a fast-paced payments environment.

The ideal candidate will bring extensive payments underwriting experience, strong financial analysis capabilities, and the confidence to make independent decisions on complex merchant risk cases. Required qualifications and skills include:

• Specific salary, benefits, and additional compensation details were not provided in the original job description.

  • Professional Development: Opportunity to deepen expertise in payments underwriting, merchant credit risk, and complex financial exposure assessment.

  • Leadership Opportunities: Ability to mentor junior underwriters, contribute to quality assurance, and support team development.

  • Cross-Functional Collaboration: Work with transaction risk teams, senior management, sales partners, and sponsor banks.

  • Professional Impact: Contribute to responsible merchant growth, stronger risk controls, and effective compliance practices.