A universe of opportunities. Open to you.

Payoneer’s mission is to empower anyone, anywhere to participate and succeed in the global economy. If our mission connects with your values, if you revel in solving complex challenges, and if you want to continuously advance your career, come realize your potential at Payoneer!

Life at Payoneer is a global community, where you’ll work with colleagues all over the world, in a hybrid or remote work frame. As an equal opportunity employer, the only things that matter to us are your skills, your drive and your desire to have a positive impact on others.

Location: Shanghai 

As a Senior Merchant Risk Analyst, You will

• Play a crucial role in ensuring the integrity and security by evaluating merchant risk profiles and facilitating the onboarding process. This includes utilizing workflows such as case analysis, outreaching merchants for additional information/documents and interacting with GTM teams.
• Primary focus is on adopting a balanced approach to assess both risk and overall merchant experience while meticulously documenting emerging trends and potential risks.
• Working collaboratively within a team, you will act as a credible partner, making informed decisions, and providing guidance to team and other internal stakeholders.
• You will also contribute towards understanding merchant risk nuances and trends, offering feedback to policy makers, and actively involved in the enhancement of processes and policies. The role will be based in Shanghai.

Is this you?

The Payoneers are:

Accountable | Adaptable | Collaborative | Communicative | Fast Learners | Independent | Motivated | Problem Solvers | Resilient | Technically Proficient

Key Responsibilities:

• Conduct comprehensive risk assessments of merchant applications and profiles to identify potential financial, reputational and regulatory risks.
• Perform thorough due diligence on merchants, including reviewing financial statements, processing history, business documentation, ownership structures, and other relevant information to verify legitimacy and compliance.
• Develop and implement risk mitigation strategies tailored to specific risk profiles of merchants, including setting appropriate transaction limits, reserve requirements, and monitoring parameters.
• Maintain accurate record of due diligence activities, risk assessments, and mitigation strategies. Generate regular reports on merchant risk profiles and share with internal stakeholders.
• Provide training and guidance to internal stakeholders on merchant risk management best practices, policy guidelines, and emerging trends in payment fraud and financial crime.
• Foster a culture of collaboration with key internal stakeholders, in particular sales, and first and second like risk personnel.
• Ensuring policies and processes are understood and adopted to drive quality and efficiency.

For this role, you have:                                                                                                                               

• Minimum 5+ years of experience in merchant risk management, with expertise in credit risk
• Strong analytical mindset with data gathering skills.
• In-depth understanding of credit risk evaluation, business models and portfolio risk performance.
• Strong project management skills around enhancing processes and policies.
• Capability to work independently in a fast paced and dynamic environment.
• Excellent communication skills and collaborating with cross-functional teams.
• Experience in portfolio management and risk reporting.
• Strong prioritization and execution skills
• Self-motivated and a good team player
• Fluent in Mandarin and Cantonese.
• Willingness to travel within China and International.

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