Vice President - MRM

Vice President - Merchant Risk Management

Location: Mumbai

About Worldline

• Strategic Leadership: Direct all Merchant Acquiring Risk Management operations across multiple payment channels
• Team Management: Lead 80+ risk professionals handling underwriting, AML/CTF, credit and fraud risks
• Risk Assessment: Review enterprise merchant underwriting assessments and document risks for management committees
• Financial Analysis: Interpret merchant financials, evaluate credit risk ratings, and implement chargeback risk mitigation
• Regulatory Compliance: Ensure adherence to KYC/AML/CFT regulations and RBI guidelines
• Transaction Monitoring: Oversee AML and fraud monitoring operations with qualitative investigations
• Portfolio Management: Monitor merchant exposure, credit quality, and implement loss mitigation actions
• Policy Development: Collaborate on Merchant Risk Acceptance and KYC policies
• Stakeholder Relations: Maintain relationships with banks, card schemes, and regulators
• Technology Implementation: Lead Merchant Risk Toolkit deployment and stay current with PayTech trends
• Team Development: Mentor staff in risk management best practices
  

Technical Skills & Qualifications

• Education: Bachelor's degree in Finance, Business, Economics, or Risk Management (Master's preferred)
• Experience: 10+ years senior fraud risk management experience with acquirers, PSPs, or digital lending
• Leadership: Proven senior management and large team leadership experience
• Risk Expertise: Deep knowledge of KYC/ML/Fraud Risk, Credit/Chargeback Risk, and Business Risk (SME experience advantageous)
• Regulatory: Advanced AML/CTF risk management and KYC due diligence expertise
• Financial: Strong understanding of financial statements, credit analysis, and modeling
• Technology: Experience with AML/Transaction monitoring software and fraud detection tools
• Communication: Excellent interpersonal and stakeholder management skills
• Personal: Results-oriented, proactive, flexible with travel availability
  

We are an Equal Opportunity Employer.