Merchant Underwriter
hace 2 días
About Unlimit
Unlimit is the global fintech powerhouse behind the world's largest proprietary payments infrastructure.
Founded in 2009, Unlimit operates across 17 global offices with 700+ experts, seamlessly integrating 1,000+ payment methods into a single platform. From London to São Paulo, we empower businesses to scale across borders with a unified suite of financial tools — including payment processing, alternative payment methods, multicurrency business accounts, card issuing, banking-as-a-service, and crypto on- and off-ramps.
Our mission is to break down financial barriers and enable seamless money movement across borders. We give forward-thinking businesses the tools to accept, send, and manage payments effortlessly, wherever they operate.
About The Role
We are looking for a Merchant Underwriter to support the assessment and onboarding of high-risk merchant profiles across acquiring and PayFac models. The role focuses on conducting in-depth due diligence, evaluating merchant business models, and supporting underwriting decisions in line with card scheme requirements, regulatory expectations, and internal risk standards
Experience
2+ years of hands-on experience in merchant underwriting, with exposure to high-risk merchant portfolios
Experience working within an acquirer, PayFac, PSP, or similar payment institution
Good understanding of high-risk business models and associated risk factors
Working knowledge of card schemes standards and legal requirements applicable to high-risk merchants onboarding and ongoing monitoring
Soft Skills
Proactive mindset with the ability to work independently within defined frameworks
Structured and detail-oriented approach to risk assessment and documentation
Ability to clearly articulate risk findings and recommendations to internal stakeholders
Strong collaboration skills and comfort working with cross-functional teams
Responsibilities
Perform end-to-end underwriting and due diligence for high-risk merchant applications
Assess merchant business models, transaction flows, and key risk drivers
Document risk assessments and prepare clear, well-supported underwriting recommendations
Communicate due diligence outcomes, including recommendations on merchant business models and appropriate risk mitigation measures
Manage merchant registration and onboarding processes with card schemes
Collaborate closely with internal cross-functional teams to support merchant onboarding and ongoing monitoring
Engage with payment schemes on underwriting-related topics and inquiries
Join Unlimit Team now
Unlimit is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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