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Salary: USD 110,000 - 140,000 / annual
Breeze is building an AI-powered infrastructure layer for global commerce, combining global payments, AI, stablecoins, and a Merchant of Record-like model to simplify how businesses sell, get paid, and operate across markets. The company handles complexity including compliance, risk, fraud, chargebacks, reconciliation, and customer support on behalf of merchants.
You will own the financial underwriting function from merchant application through ongoing portfolio management. This is a hands-on, autonomous role where you'll make high-impact decisions on merchant approval, terms, and risk exposure.
Key responsibilities:
- Underwrite new merchant applications by analyzing financials, funding, runway, burn, and unit economics; assess business model liability; make approve/decline/conditional decisions with documented rationale
- Set reserves, holdbacks, volume caps, and exposure limits based on risk assessment
- Conduct portfolio re-reviews, adjust merchant terms as risk changes, maintain watchlists and escalation paths, and track realized losses back into the framework
- Build and maintain underwriting policy, scorecard, and exposure reporting to standards that satisfy bank/auditor requirements
- Leverage AI and data tooling to accelerate file review and decisioning
- Partner cross-functionally with Sales, Treasury Ops, Risk/Compliance, and support bank/acquirer diligence
The role combines corporate credit analysis with financial judgment to manage Breeze's merchant portfolio risk as the company scales globally. You'll create the policies and processes that shape how Breeze manages risk.
REQUIREMENTS:
- 2–3 years of experience in corporate debt analysis and underwriting (venture debt, growth lending, revenue-based finance, private credit, commercial banking, or startup lending book)
- Demonstrated experience underwriting startups and privately held companies; comfort forming views from incomplete, unaudited, fast-moving financials
- Proven ownership of credit decisions: written underwriting memos, taken positions, and defended them to committees or decision-makers
- Fluency with financial statements, cash flow analysis, runway, burn, and unit economics
- Advanced Excel skills (building models, working with large transaction-level datasets) and experience with AI enablement of finance and analysis workflows
NICE TO HAVE:
- Payments, fintech, marketplace, or Merchant of Record exposure
- Knowledge of chargeback/refund/settlement risk, rolling reserves, holdbacks, chargeback ratios, card scheme monitoring
- Experience building or improving underwriting policies or scorecards
- BigQuery or similar data tools
- Background in digital goods, gaming, creator economy, subscription, or prediction markets
