VP, Merchant Risk Underwriting (Fintech)

TL;DR

VP, Merchant Risk Underwriting (Fintech): Designing merchant underwriting strategies and managing overall risk exposure with an accent on credit, fraud, and reputational risk. Focus on expanding decisioning capabilities through identity verification, KYB/KYC, and advanced data analytics using SAS, SQL, and Python.

Location: Hybrid (Charlotte, NC). Must be based in the US and able to commute to a company Hub for in-person activities.

Salary: $135,000 - $230,000 Annual

Company

A leading financial services corporation specializing in credit acquisition and risk management strategies.

What you will do

• Design and monitor SMB merchant underwriting strategies focusing on identity verification and fraud controls.
• Analyze large datasets to identify emerging trends and track champion/challenger strategy performance.
• Evaluate and deploy new underwriting technologies, firmographic tools, and API integrations.
• Conduct industry reviews and monitor portfolio performance in collaboration with Portfolio Credit Managers.
• Deliver executive presentations on portfolio risk themes and recommended actions to senior leadership and clients.
• Manage operational controls to ensure alignment with Internal Audit and Model Risk Management (MRM).

Requirements

• Bachelor's degree with 5+ years in a strategic analytical role, or 10+ years in a commercial Credit/Risk role.
• 5+ years of experience in credit risk or fraud strategy development.
• Proficient in SAS, SQL, and Python programming for analyzing complex datasets.
• Legal authorization to work in the U.S. is required; no sponsorship is provided.
• Ability and flexibility to travel for business as required.

Nice to have

• Expertise in consumer and commercial credit lending lifecycles and KYB/KYC identity solutions.
• Familiarity with Model Risk Management (MRM) frameworks and internal control governance.
• Master’s Degree or MBA with an advanced analytic focus.
• Experience partnering with offshore teams.

Culture & Benefits

• Flexible "Way of Working" allowing the option to work from home near company Hubs.
• Inclusive culture with strong engagement in Employee Resource Groups (ERGs).
• Annual bonus eligibility based on individual and company performance.
• Award-winning corporate culture focused on belonging and professional development.