Credit Risk Underwriter

Overview

Underwrite and monitor credit risk for new and existing retail relationships, including Retail ISOs, Third Party Service Providers, Encryption Support Organizations, Merchant Cash Advance providers, Terminal Servicers and a small number of Agent Banks.

What you'll do

• Conduct underwriting of new retail relationships for all entity types.
• Conduct periodic annual reviews of all retail entities.
• Monitor relationships for the presence of reputational and other risks.
• Ensure partner compliance with Credit Policy and Retail ISO Program Standards.
• Perform annual and ongoing audits of the Periodic Review, Registration, ISO, and Integrated Partners databases to ensure all active entities are registered and in a review cycle.
• Manage removal of Inactive User IDs and provide backup for the creation of new User IDs for MAI, CARS, and IDS (Integrated Dispute System) systems.
• Provide on-demand MATCH diligence searches and review for Card Compliance as needed.
• Manage, update, and upload monthly Retail ISO OFAC files for consistent screening.
• Manage monthly Retail ISO alerts for variances in portfolio composition and chargeback levels.

What you'll need

• 3+ years of experience in credit risk, underwriting, merchant processing, financial services, or a related risk evaluation environment.
• 2+ years of experience reviewing individual and business credit reports and applying findings to risk-based decisions.
• 2+ years of experience working in a client-facing role with sales partners, merchants, processors, or similar external stakeholders.
• 2+ years of experience using Microsoft Office Suite to document reviews, manage workflows, and communicate findings.
• Ability to assess application quality, interpret supporting documentation, and use third-party verification tools to evaluate business legitimacy and credit exposure.
• Bachelor's Degree in finance, business, accounting, economics, or a related field, or equivalent combination of education, related experience and/or military experience.

Nice to have

• Experience in the merchant processing industry.
• Knowledge of card brand rules and regulations.
• Experience supporting underwriting workflows tied to service level agreement (SLA) performance.
• Experience evaluating small business or merchant application documentation.

Details

• Location: Thane, India.
• Apply using your legal name and attach your resume (either is acceptable, both are preferable).