Senior B2B Payment Risk & Credit Operations Specialist

Bybit; Dubai; On-site; AED 300,000 - 600,000; Full time

Job summary

Bybit is seeking a seasonedRisk & Credit professional to lead B2B merchant risk reviews, evaluate qualifications, and optimize credit rules. You will profile merchants, monitor high-risk patterns, and collaborate with teams to strengthen onboarding controls.

The role requires hands-on data analysis using Hive and SQL, strong problem-solving, and the ability to translate risk findings into practical limits and risk-mitigation actions.

Qualifications

• Bachelor’s degree or above in Finance, Economics, Accounting, Mathematics, Statistics, Computer Science, or related fields preferred.
• 3+ years of experience in risk management, credit evaluation, or risk operations, preferably within financial services, fintech, or consulting.
• Experience in B2B merchant risk management, credit evaluation, limit management, or high-amount transaction risk control is strongly preferred.

Responsibilities

• Conduct comprehensive assessments of merchant qualifications, business models, fund flows, and risk-bearing capacity for prospective and existing B2B merchants. Perform professional reviews and judgments on high-amount transactions or limit adjustment requests. Continuously optimize merchant review standards and credit rules by analyzing historical transaction performance, limit utilization, and post-event risk outcomes.
• Proficiently utilize risk and operations analytics tools to identify and conduct in-depth analysis of B2B merchant risk events and abnormal transactions. Reconstruct abnormal trading behaviors and fund flow paths to accurately restore the full risk chain, identify core merchant-level risk characteristics, and propose targeted limit management, risk control strategies, or merchant exit mechanisms.
• Continuously monitor B2B merchant transaction volumes, limit utilization, risk indicators, and strategy effectiveness. Participate in the development of merchant risk and credit early-warning mechanisms, proactively identify potential credit deterioration or risk amplification signals, and improve merchant risk identification and control efficiency.
• Work closely with Business, Sales, Product, Engineering, Legal, and Compliance teams to systematically translate B2B merchant risk and credit management requirements into merchant lifecycle management, limit management, and settlement processes, jointly ensuring the stable and sustainable development of B2B business operations.

Skills

Hive

SQL

Excel

Risk data analysis

Merchant risk

Education

Bachelor’s degree or above in Finance, Economics, Accounting, Mathematics, Statistics, Computer Science

Job description

Bybit is seeking a seasonedRisk & Credit professional to lead B2B merchant risk reviews, evaluate qualifications, and optimize credit rules. You will profile merchants, monitor high-risk patterns, and collaborate with teams to strengthen onboarding controls.

The role requires hands-on data analysis using Hive and SQL, strong problem-solving, and the ability to translate risk findings into practical limits and risk-mitigation actions.