Merchant Risk Analyst

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 a Merchant Underwriter to support the assessment and onboarding of high-risk merchant profiles across acquiring and PayFac models. The role focuses on conducting in-depth due diligence, evaluating merchant business models, and supporting underwriting decisions in line with card scheme requirements, regulatory expectations, and internal risk standards

Experience
2+ years of hands-on experience in merchant underwriting, with exposure to high-risk merchant portfolios
Experience working within an acquirer, PayFac, PSP, or similar payment institution
Good understanding of high-risk business models and associated risk factors
Working knowledge of card schemes standards and legal requirements applicable to high-risk merchants onboarding and ongoing monitoring 

Soft Skills
Proactive mindset with the ability to work independently within defined frameworks
Structured and detail-oriented approach to risk assessment and docum...