Vice President, Underwriting
Job not on LinkedIn
đĽ 0 minutes ago
đ Check your resume score for this job
Improve your chances of getting an interview by checking your resume score before you apply.
đ Description
⢠Define and execute a forward-looking underwriting strategy aligned to corporate growth targets, risk appetite, and capital efficiency objectives. ⢠Establish and maintain dynamic risk tolerance frameworks segmented by vertical, channel, and product type. ⢠Partner with Sales, Product, Finance, and Compliance to embed risk-adjusted decisioning into go-to-market strategy. ⢠Oversee end-to-end merchant underwriting across SMB, mid-market, and enterprise segments. ⢠Develop and maintain underwriting policy, exception governance, and escalation protocols. ⢠Monitor portfolio performance metrics (loss rates, chargeback exposure, fraud indicators, concentration risk) and proactively recalibrate underwriting criteria. ⢠Support with the implementation of predictive modeling and machine learning capabilities to enhance risk scoring and pricing precision. ⢠Drive underwriting automation and straight-through processing to improve speed-to-decision while preserving control integrity. ⢠Optimize workflow design, capacity planning, and service-level standards to support scalable growth. ⢠Build robust QA and second-line review mechanisms to ensure policy adherence and regulatory compliance. ⢠Ensure underwriting practices comply with card brand rules, sponsor bank requirements, AML/BSA standards, and applicable state and federal regulations. ⢠Maintain strong documentation, audit trails, and defensible decision frameworks. ⢠Serve as primary underwriting liaison during regulatory exams, sponsor bank reviews, and internal audits. ⢠Champion data-driven decisioning, including integration of alternative data sources and third-party risk intelligence tools. ⢠Collaborate with Technology and Data teams to modernize underwriting systems and reduce manual friction points. ⢠Leverage analytics to identify emerging industry risk trends and proactively adjust exposure. ⢠Recruit, develop, and retain high-performing underwriting and risk professionals. ⢠Establish a culture of accountability, analytical rigor, and commercial partnership. ⢠Create clear performance KPIs tied to portfolio outcomes and operational efficiency.
đŻ Requirements
⢠10+ years of progressive underwriting or credit risk leadership experience within payments, fintech, merchant acquiring, or financial services. ⢠Deep expertise in merchant risk, card-not-present exposure, chargeback management, fraud typologies, and high-risk vertical underwriting. ⢠Demonstrated experience scaling underwriting functions in high-growth environments. ⢠Strong knowledge of card network rules, sponsor bank frameworks, AML/BSA expectations, and regulatory risk management principles. ⢠Proven track record of leveraging analytics, automation, and technology to modernize risk operations. ⢠Executive-level communication skills with the ability to influence cross-functional stakeholders and board-level audiences.
đď¸ Benefits
⢠Health insurance ⢠401(k) matching ⢠Flexible working hours ⢠Paid time off ⢠Professional development opportunities
Apply Now
