We are hiring a Merchant Underwriter and Risk Analyst!

As a Merchant Underwriter at Breeze, you’ll play a key role in safeguarding our payments ecosystem. You’ll evaluate merchant creditworthiness, assess compliance requirements, and identify potential risks to ensure safe and seamless onboarding. Working cross-functionally with Sales, Product, Legal, and Operations, you’ll help build robust underwriting standards that balance growth with risk management. This role is ideal for someone with a sharp eye for detail, strong analytical skills, and a passion for payments innovation.

What You’ll Do

• Conduct comprehensive merchant underwriting assessments, evaluating credit risk, business viability, and compliance requirements.
• Perform calculation of the financial risk exposure and the relevant risk mitigation measures.
• Communicate merchant risk profiles and underwriting decisions to bank partners and stakeholders to support smooth onboarding.
• Collaborate with Sales, Product, Legal, and Operations teams to refine underwriting criteria and support new product launches.
• Serve as a point of contact for merchants regarding underwriting requirements, compliance standards, and product eligibility.
• Analyze merchant transaction patterns and business models to identify potential risks, fraud vectors, and opportunities.
• Maintain documentation of underwriting decisions and provide reporting on key metrics to drive continuous improvement.
• Support the development of scalable underwriting processes and tools to enhance efficiency and accuracy.
  
  

What We’re Looking For

• 5+ years of experience in Payment Risk Management, Merchant Underwriting, or Transaction Fraud Prevention.
• Background in payments, merchant acquiring, fintech, e-commerce, or related financial services.
• Strong understanding of payment networks, chargeback management, and merchant credit risk assessment.
• Excellent written and verbal communication skills with ability to explain complex risk concepts to both internal teams and external merchants.
• Investigative mindset with strong analytical and critical thinking skills.
• Experience with merchant support via email and phone for payment or risk-related inquiries.
  
  

Nice to Have

• Experience in high-growth fintech or payments startups.
• Familiarity with emerging business models such as crypto, digital marketplaces, or AI-powered services.
• Experience building or supporting complex payment products and merchant solutions.
  
  

Our Culture

• Fast-paced and dynamic – We adapt quickly to capture opportunities.
• Builder’s mindset – We value initiative, creativity, and ownership.
• Collaborative – Compliance, product, and operations work as one team.
• Continuous learning – We share expertise and push boundaries.
  
  

Why Join Us

• Competitive salary + equity plan
• 21 days PTO
• Flexible benefits: annual medical allowance, productivity allowance, gym membership/personal well-being subsidy
• Annual team retreat trip
• Work alongside a team backed by Sequoia Capital with a healthy runway
  
  

Join us at Breeze, and help shape the future of global payments.