Associate Director Merchant Risk Management

Associate Director - Merchant Risk Management

Location: Mumbai

About Worldline

At Worldline we are pioneers in payments technology committed to creating innovative solutions that make financial transactions secure accessible and seamless worldwide. Our diverse team of professionals collaborates across cultures and disciplines driving progress that benefits society and businesses of all sizes.

We believe that diverse perspectives fuel innovation. We are dedicated to fostering an inclusive environment where all individuals regardless of background identity or experience can thrive and contribute meaningfully to our shared vision.

The Opportunity

The Associate Director for Merchant Risk Management will lead strategic risk management initiatives across merchant acquisition and AML compliance functions. This senior leadership role encompasses overseeing merchant underwriting operations driving AML compliance programs and establishing comprehensive risk frameworks within the Indian regulatory landscape.

Key Responsibilities

Leadership & Strategy

• Lead and mentor teams of merchant underwriters and AML specialists
• Develop strategic risk management roadmaps aligned with business objectives
• Drive organizational change management for risk and compliance functions

Risk Management & Compliance

• Oversee enterprise-wide AML transaction monitoring and FIU guidelines adherence
• Establish risk assessment frameworks for complex merchant portfolios
• Manage regulatory relationships with FIU-IND RBI and other regulatory bodies
• Design monitoring strategies across all payment channels (cards UPI wallets)

Business Development & Policy

• Define merchant risk appetite and risk-based pricing strategies
• Oversee enterprise merchant onboarding and complex underwriting decisions
• Establish enterprise risk policies and governance frameworks
• Present strategic recommendations to executive leadership

Analytics & Reporting

• Drive advanced analytics and predictive modeling for fraud prevention
• Develop automated risk decisioning systems and process optimization
• Lead comprehensive reporting for regulatory submissions and business intelligence

Technical Skills & Qualifications

Masters degree in Finance Business Risk Management (MBA preferred)

6-12 years in merchant acquiring banking or payments with 5 years in senior management

Deep expertise in Indian financial regulations FIU guidelines and AML compliance

Advanced proficiency in risk analytics modeling and business intelligence tools

Proven leadership experience building high-performing teams

Strong strategic thinking and executive-level communication skills

Why Join Us

At Worldline we believe that embracing diversity and promoting inclusion drive innovation and success. Through extensive training mentorship and development programs we support your growth and help you make a meaningful impact.

Join a global team of passionate professionals shaping the future of payments technologywhere your ideas experiences and perspectives are appreciated and celebrated.

We are an Equal Opportunity Employer

We do not discriminate based on race ethnicity religion color national origin sex (including pregnancy and childbirth) sexual orientation gender identity or expression age disability or any other legally protected characteristics.

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