Associate, Merchant Risk Operations

About the role

The High-Agency Senior Analyst will own the end-to-end risk lifecycle for complex merchants, conducting holistic fraud and credit risk assessments, determining exposure methodologies, and managing daily case queues with high efficiency and precision.

Responsibilities

• Own the end-to-end risk lifecycle for complex merchants.
  • You will conduct holistic fraud and credit risk assessments, determine exposure methodologies, and manage daily case queues with high efficiency and precision.
• Quantitative Self-Sufficiency
  • You will write your own SQL queries to extract data, perform root-cause analysis on chargeback spikes, and identify emerging fraud trends.
• Build & Visualize
  • You will design and maintain real-time risk dashboards (Looker, Tableau, etc.) to monitor portfolio health and provide visibility to stakeholders.
• Strategic Risk Partnership
  • You act as a consultative partner to the Commercial team and other key stakeholders. You clearly communicate the "why" behind risk decisions and educate commercial stakeholders on specific merchant exposures, ensuring they understand the trade-offs and risks.
• Process Iteration
  • You will systematically identify "toil" in our current workflows. You will proactively streamline onboarding programs and collaborate with Engineering to automate manual steps, turning insights from your daily case reviews into scalable policy changes.

Who You Are

• High Agency: You have a "founder mindset." When you see a process gap or a data wall, you take it upon yourself to fix it or climb over it without being asked.
• Builder-Operator: You enjoy the "grind" of investigating complex cases because you know that’s where the best insights for automation are found.
• Quantitatively Rigorous: You are a data-first thinker. You don’t just report numbers; you understand the story they tell and the risks they hide.

Minimum Qualifications

• 3+ years of experience in Merchant Risk, Fraud, or Credit Risk within Fintech or Payments.
• Proficiency in SQL: You must be comfortable writing queries to join tables and extract insights independently.
• Technical Resourcefulness: Experience building data visualizations and dashboards (e.g., Looker, Tableau, Sigma).
• Risk Expertise: Strong understanding of credit risk evaluation methodologies, including industry verticals, business models, and financial statement analysis.
• Communication: Ability to clearly explain complex risk decisions and policies to both internal stakeholders and external customers.

Preferred Qualifications

• Experience in a high-growth, fast-paced startup environment.
• Knowledge of payment acquiring products, card network rules, and local payment methods.
• Experience working with Engineering/Product teams to build internal risk tools.