Unlimit

Merchant Underwriting Team Lead

Unlimit

full-time

Posted on:

Location Type: Remote

Location: Cyprus

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Job Level

Senior

About the role

  • Drive and mature high-risk underwriting function across acquiring and PayFac models
  • Establish robust underwriting practices for complex merchant profiles
  • Ensure alignment with card scheme expectations, regulatory requirements, and internal risk standards
  • Support sustainable business development
  • Lead and communicate due diligence outcomes
  • Build, mentor, and manage the high-risk underwriting team
  • Conduct post-onboarding and periodic reviews
  • Own and manage inbound requests from payment schemes and regulators

Requirements

  • 3+ years of hands-on experience in merchant underwriting, with a strong focus on high-risk merchant portfolios
  • Prior experience in a senior or lead underwriting role within an acquirer, PayFac, PSP, or similar payment institution
  • Strong understanding of high-risk business models and associated risk drivers
  • In-depth understanding of regulatory and card schema requirements relevant to high-risk merchant onboarding and monitoring across multiple jurisdictions
  • Demonstrated professional competence in underwriting, supported by relevant certifications or equivalent practical experience
  • Strong partnership mindset with the ability to support complex merchant onboarding initiatives within defined risk boundaries and business goals
  • Ability to build effective cross-functional collaboration with internal and external stakeholders
  • Proactive, structured, and ownership-driven work approach
Benefits
  • Equal opportunity employer
  • Diversity and inclusion in the workforce
Applicant Tracking System Keywords

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

Hard Skills & Tools
merchant underwritinghigh-risk merchant portfoliosdue diligencepost-onboarding reviewsrisk assessmentregulatory compliancecard scheme requirementsrisk managementbusiness developmentcross-functional collaboration
Soft Skills
leadershipmentoringcommunicationpartnership mindsetproactive approachstructured work approachownership-drivenstakeholder managementteam managementcollaboration