Merchant Underwriter

Are you passionate about solving complex challenges in the fintech space? We’re looking for talented individuals to join our dynamic startup, backed by Sequoia Capital. We’re building the universal payment layer to unify all currencies—fiat and crypto—so businesses and consumers can transact seamlessly. If you're passionate about creating innovative solutions in a dynamic, fast-paced environment, we want to talk to you.We are hiring a Merchant Underwriter!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 DoConduct comprehensive merchant underwriting assessments, evaluating credit risk, business viability, and compliance requirements.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 For2+ 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 HaveExperience 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 CultureFast-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 UsCompetitive salary + equity plan21 days PTOFlexible benefits: annual medical allowance, productivity allowance, gym membership/personal well-being subsidyAnnual team retreat tripWork alongside a team backed by Sequoia Capital with a healthy runwayJoin us at Breeze, and help shape the future of global payments.Apply now and help us build the future of payments at a global scale!