Merchant Risk Lead

About Unlimit

Unlimit is a global fintech ecosystem built to eliminate financial borders holding businesses back. The company provides the extensive infrastructure needed to scale globally, integrating payment processing, multi-currency business accounts, BaaS and crypto gateways into a single, intelligent platform.

Across 17 offices globally, Unlimit bridges hyper-local expertise with a high-capacity financial network, giving companies the agility to expand across regions with operational confidence and speed. Driving the evolution of payments, Unlimit is transforming its infrastructure from human-operated fintech into AI-native financial infrastructure — where APIs are consumed by machines, integrations are negotiated by agents, and systems evolve continuously through intelligent automation. Our next users are not only humans. They are AI agents acting on behalf of humans and businesses.

Unlimit serves more than the needs of businesses today; we are building the nervous system for a borderless global economy.

About the role

We are looking for an experienced High-Risk Merchant Underwriting Lead to drive and mature our high-risk underwriting function across acquiring and PayFac models. The role focuses on establishing robust underwriting practices for complex merchant profiles, ensuring alignment with card scheme expectations, regulatory requirements, and internal risk standards, while supporting sustainable business development.

Experience

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 driversIn-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

Soft Skills & Leadership

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

Responsibilities

Develop, implement, and maintain high-risk merchant underwriting frameworks

Ensure consistent delivery of comprehensive risk assessments across the high-risk merchant portfolio

Lead and communicate due diligence outcomes, providing well-supported recommendations on merchant business model and risk mitigation approaches

Build, mentor, and manage the high-risk underwriting team

Conduct post-onboarding and periodic reviews to confirm that identified risks are adequately mitigated and controls remain effective

Own and manage inbound requests from payment schemes and regulators, including assessment of identified gaps or non-compliance, preparation and coordination of action and mitigation plans, accountability for remediation activities, and end-to-end communication and case closure with all relevant stakeholders

Join Unlimit Team now!

Unlimit is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief.