Merchant Risk Lead

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 an experienced High-Risk Merchant Underwriting Lead to drive and mature our high-risk underwriting function across acquiring and PayFac models. The role focuses on establishing robust underwriting practices for complex merchant profiles, ensuring alignment with card scheme expectations, regulatory requirements, and internal risk standards, while supporting sustainable business development.

Experience
3+ years of hands-on experience in merchant underwriting, with a strong focus on high-risk merchant portfolios
Prior experience in a senior or lead underwriting role within an acquirer, PayFac, PSP, or similar payment institution
Strong understanding of high-risk business models and associated risk driversIn-depth understanding of regulatory and card schema requirements relevant to high-risk merchant onboarding and monitoring across multiple jurisdictions
Demonstrated professional competence in underwriting, supported b...