Job Description

Vice President - MRM

Vice President - Merchant Risk Management

Location: Mumbai

About Worldline

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Worldline is a global leader in payments technology, creating innovative solutions for secure, accessible financial transactions worldwide. We foster an inclusive environment where diverse perspectives drive innovation and meaningful contributions to our shared vision.


Our Merchant Services Global Business Line delivers end-to-end Commercial Acquiring, Multichannel Payment Acceptance and Payment Terminal solutions, combining payment, digital and transactional expertise to boost merchant sales and enhance customer experiences.

The Opportunity

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Lead the 1st Line of Defense for Worldline India's Merchant Risk Management, with end-to-end responsibility for underwriting, AML/CTF, credit and fraud risk management across our Merchant Services businesses. Manage a team of ~80 risk specialists overseeing Instore (POS), Online (E-commerce), Recurring Mandate, and Bills Payment operations.

Key Responsibilities

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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

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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

Why Join Us?

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Join a global team shaping the future of payments technology. We offer extensive training, mentorship, and development programs in an inclusive environment where your ideas and perspectives are valued. As VP of Merchant Risk Management, you'll lead significant operations and drive strategic initiatives with lasting business impact.

We are an Equal Opportunity Employer.

Learn more about life at Worldline at Jobs.worldline.com


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Request ID: 301172
Posting Start Date: 8/28/25
Job Area: Business Enablement
Work Site: On-site
Contract Type: Permanent
Brand: Worldline
Job Location: India - Mumbai