Senior B2B Payment Risk 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

About Us

Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance.

Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution.

Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services.

Job Description

• Responsible for B2B merchant risk operations and credit evaluation, focusing on risks across merchant onboarding, transaction limits, fund exposure, and settlement processes. Through merchant profiling, transaction behavior monitoring, and risk reviews, identify typical risk issues in high-amount, high-frequency, or highly concentrated transaction scenarios, and propose practical and actionable risk and credit optimization solutions.

Risk Review / Credit Evaluation

• 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, reducing the onboarding rate of high-risk or low-quality merchants.

Risk Analysis & Investigation

• 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.

Monitoring & Early Warning

• 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 through coordination between risk operations and strategy deployment.

Cross-Functional Collaboration

• 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.

Qualifications

Education

• Bachelor’s degree or above in Finance, Economics, Accounting, Mathematics, Statistics, Computer Science, or related fields preferred.

Experience

• 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.
• Prior exposure to payment institutions, acquiring, merchant settlement, or cross-border payment businesses is a plus.

Skills

Technical Skills

• Proficient in Hive, SQL, and Excel, with strong capabilities in merchant risk data analysis and issue diagnosis.
• Able to independently build merchant risk profiles, analyze transaction behaviors, decompose limit utilization and risk metrics, and deliver clear, actionable risk conclusions and recommendations.

Risk & Credit Expertise

• Strong understanding of B2B merchant risk and credit evaluation frameworks, including merchant onboarding, limit assessment, and lifecycle management.
• Familiarity with common merchant-side risk scenarios, such as high-amount transaction risk, fund concentration risk, settlement risk, chargeback risk, and refund risk.
• Capable of translating merchant risk assessments into actionable credit limits, risk rules, or merchant exit strategies, and validating their effectiveness through continuous monitoring.

Why Join Us

At Bybit, we are committed to fostering a supportive and enriching work environment.

• Study Growth Fund: We support your professional development and continuous learning.
• Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
• Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
• Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
• Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.

Requirements