Senior Merchant Underwriter, Risk Operations

About the role

We’re looking for an experienced Merchant Underwriter to join ClarityPay’s Merchant Risk Operations team and own the human-judgment layer of our merchant underwriting process.

What you'll do

• Escalated Underwriting Review & Decisioning
• Review merchant cases escalated by our AI underwriting workflow, validating its findings and recommendations, and resolving the specific points flagged for human judgment
• Handle the most complex, sensitive, or high-exposure merchant cases, exercising independent judgment within established credit and risk policy
• Document clear, defensible decision rationale for every case you sign off
• Manage a queue of escalated cases, prioritizing exposure and urgency to meet turnaround targets for merchant onboarding and re-underwriting

What you need

• 5–10 yrs of experience
• Financial analysis
• Underwriting
• Financial statements
• AML
• Excel
• Litigation
• B.Com or BBA

Good to have

• Accounting
• Credit risk
• SQL
• Due diligence
• SOP writing