Senior Manager - Merchant Underwriter

Easebuzz Private limited.; Pune District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

A leading fintech company headquartered in Pune is looking for an experienced professional for merchant underwriting. The ideal candidate will have over 3 years of experience in credit risk management and a strong analytical mindset. Responsibilities include reviewing merchant applications, managing risk levels, and enhancing fraud prevention processes. This full-time role offers the opportunity to work in a rapidly growing and innovative environment.

Qualifications

• 3+ years of experience in merchant or credit underwriting.
• Familiarity with fraud indicators and risk patterns.
• Experience in transaction monitoring and disputes.

Responsibilities

• Review merchant applications and documentation for underwriting.
• Approve or reject onboarding requests based on risk parameters.
• Collaborate with teams to enhance risk monitoring processes.

Skills

Analytical mindset

Understanding of credit risk

Experience with chargebacks

Attention to risk patterns

Education

B.Com / MBA / CA / CS / ICWA

Job description

About the Company

Easebuzz is a payment solutions (fintech) company that enables online merchants to accept, process, and disburse payments through developer-friendly APIs. We are focused on building plug-and-play products—including payment infrastructure—to solve end-to-end business challenges across sectors.

We’re at the center of all things fintech: payments, lending, subscriptions, eKYC—you name it. Easebuzz is where innovation meets execution.

We have been consistently profitable and continue to scale rapidly, having grown 4x in the past year alone. Backed by a strong product roadmap and execution, we recently closed a fresh funding round of $30 million in 2025, led by leading VC firms and strategic investors. This comes in addition to our earlier $4 million fundraise in March 2021.

Easebuzz has been granted Full Authorization from the Reserve Bank of India (RBI) for payment aggregator license in 2025.

Our corporate culture is built on openness, ownership, and collaboration. We are an equal opportunity employer and celebrate diversity across all levels. At Easebuzz, you’ll find yourself working with passionate colleagues who are committed to growing together.

Headquartered in Pune, we also have a presence in Delhi, Mumbai, Kolkata, Bengaluru, and Gurugram.

Roles and Responsibilities

• Review merchant applications and business documentation for underwriting
• Approve/reject onboarding requests based on defined risk parameters
• Identify and prevent high-risk or non-compliant merchants
• Continuously monitor live merchant behavior and flag policy violations
• Detect suspicious transaction activity and document fraudulent patterns
• Segregate merchants based on risk levels and manage internal risk tagging
• Collaborate with product/tech teams to improve the risk engine and automate checks
• Handle transaction disputes, chargebacks, and merchant escalations
• Interact with partner banks, CPV vendors, and internal teams to resolve queries
• Research industry best practices in fraud prevention and apply them in process improvements

Qualifications

• 3+ years of experience in merchant or credit underwriting (Bank/NBFC/Fintech)
• Understanding of credit risk, especially for self-employed or SME merchants
• Strong analytical mindset with attention to risk patterns and fraud indicators
• Experience with chargebacks, disputes, and transaction monitoring
• Degree in B.Com / MBA / CA / CS / ICWA or related field preferred

Employment Type: Full-time