Hiring: Underwriting Manager, High Risk Merchants Company: PAYNOTE Location: Miami, FL Job Posted Time: 2026-09-10 10:45:45 Employment Type: Full-time / Hybrid Target Skills & Keywords : Microsoft Excel, SQL, Segment, Systems Design About the job Experience: •5+ years in merchant/payments underwriting, with meaningful experience in high-risk verticals •1+ years leading people or owning an underwriting function Required Skills: •Review and decision new merchant applications in high-risk verticals (e.g., CBD, nutraceuticals, debt services, telemedicine, subscription/continuity billing) •Perform KYC/KYB, beneficial-ownership, credit, processing-history, and website/business-model reviews •Set reserves, processing limits, and pricing-risk terms; run periodic re-underwriting of the existing portfolio •Build the system •Design our underwriting policy from scratch: risk-tier framework, vertical-specific criteria, document requirements, approval matrices, and SLAs •Translate that policy into product requirements — automated decisioning rules, data-vendor integrations (KYB/KYC, MATCH, credit, fraud signals), and queue workflows inside PayNote •Partner with engineering and product to test, iterate, and ship underwriting tooling; define the metrics that prove it works (approval rate, time-to-decision, loss rate, false-positive rate) •Document everything so the process survives beyond any one person Qualifications: •ACH/check-based payments experience (we live in this world) •Operational familiarity with fraud/risk-monitoring tooling and chargeback/return-rate management •Founding-level ownership of a core function with direct CEO/leadership access •Your decisions get built into the product — you shape software, not just policy •Fast-growing, profitable fintech in payments' most interesting (and hardest) segment Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!