Nuvei

Credit Underwriting Manager

Nuvei

full-time

Posted on:

Location Type: Hybrid

Location: Sydney • Australia

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About the role

  • Lead end-to-end credit underwriting for new and existing merchants, partners, and Payment Facilitators (PayFacs), including SMEs, enterprise clients, and high-risk verticals
  • Assess merchant, partner, and PayFac financials, settlement flows, transaction profiles, chargeback exposure, business models, and operational controls
  • Conduct enhanced due diligence and credit assessments for high-risk merchants, partners, and PayFacs, considering regulatory, fraud, reputational, and operational risks
  • Evaluate PayFac and partner programs, including sub-merchant onboarding controls, monitoring frameworks, and liability structures
  • Determine and approve appropriate credit limits, rolling reserves, holdbacks, security deposits, and other risk mitigants
  • Approve, decline, or escalate underwriting decisions in line with the company’s risk appetite and delegated authority
  • Ensure underwriting decisions incorporate OCDD findings, including changes in ownership, business activity, financial condition, partner structure, or overall risk profile

Requirements

  • 6–10+ years of experience in credit underwriting, merchant risk, or risk management within acquiring, fintech, or banking
  • Demonstrated experience underwriting partners and Payment Facilitators (PayFacs), including assessment of program controls, sub-merchant risk, and sponsor exposure
  • Proven experience assessing and managing merchants operating in high-risk verticals (e.g., travel, gaming, crypto, FX, adult, nutraceuticals, subscription models, marketplaces)
  • Demonstrated experience applying risk mitigants such as reserves, limits, and enhanced monitoring
  • Bachelor’s degree in Finance, Economics, Business, or a related field (or equivalent experience)
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit underwritingrisk managementfinancial assessmentdue diligencetransaction profilingrisk mitigantsprogram controlsmonitoring frameworkscredit limit determinationoperational controls
Soft Skills
decision makinganalytical skillscommunicationproblem solvingattention to detail