Merchant Underwriter (Fintech)

TL;DR

Merchant Underwriter (Fintech): Evaluating and decisioning new merchant enrollments to mitigate financial and reputational risk with an accent on due diligence, background checks, and financial statement analysis. Focus on identifying red flags, maintaining regulatory compliance, and optimizing the underwriting pipeline efficiency.

Location: Remote (United States)

Company

A technology-based point-of-sale financing company partnering with healthcare providers to offer patients payment solutions for medical and dental procedures.

What you will do

• Conduct due diligence on merchant applications, reviewing background checks, financial statements, and business models.
• Ensure all enrollments adhere to internal underwriting policies and regulatory requirements.
• Identify high-risk cases and escalate them to senior management with initial recommendations.
• Perform periodic reviews of existing accounts to maintain risk stability and compliance.
• Maintain detailed documentation within the underwriting system to justify approval or declination decisions.
• Meet daily production and turnaround time (SLA) targets.

Requirements

• 1–2 years of experience in banking, credit analysis, or financial services.
• Strong ability to analyze data, spot inconsistencies, and make evidence-based decisions.
• Clear written and verbal communication skills for internal and external interaction.
• High attention to detail for identifying fraudulent documentation.
• Must be based in the United States
• Valid US work authorization is required (no visa sponsorship provided)

Culture & Benefits

• 80% coverage of medical, dental, and vision premiums for employees and dependents.
• Unlimited PTO.
• 401(k) retirement plan.
• Parental leave.
• Company-provided AD&D policy.