Vice President, Underwriting
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🔥 8 minutes ago
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đź“‹ 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.
🎯 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.
🏖️ Benefits
• Health insurance • 401(k) matching • Flexible working hours • Paid time off • Professional development opportunities
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