Head of Merchant Underwriting


We are looking for a highly motivated and passionate person to lead our AfterPay merchant underwriting team. Location Amsterdam, Berlin or Verl. As Head of Merchant Underwriting, together with your team you are responsible for the underwriting rule book and the underwriting process (service offering, merchant credit assessment, terms & conditions) according to business strategy and divisional framework. Are you data driven, enthusiastic and a real team player? Do you like working in an international organization? Then read on!


Your tasks & responsibilities:
As Head of Merchant Underwriting, you are part of the newly established and international function Governance. You will lead the merchant underwriting team with the freedom to fill in the role at your own discretion. We are looking for someone that motivates and inspires others and moves people towards personal growth. Merchant underwriting in e-commerce has no secrets for you. With your backpack filled with experience, you create models, processes and procedures to help us limit risk and maximize success!

What you might do during a working day:

  • Establish and administer international AfterPay underwriting rule book as well as merchant application workflow.
  • Orchestrate new merchant deals considering acceptance criteria, overall risk and terms & conditions.
  • Underwriting according to rule book within your own decision making authority.
  • Prepare and consolidate top merchant credit applications (e.g. board level, international scale, partner setups).
  • Governance for case documentation.
  • Monitor Know Your Customer (KYC) routines and define internal controls.
  • Drive enhancements of monitoring capabilities to follow up business case Key Performance Indicators.
  • Continuously analyze and monitor merchant risk and performance.



  • Senior management of the division.
  • AfterPay Legal, Compliance, Finance, Analytics (BI & Business Analytics), Risk & Fraud.
  • AfterPay merchant underwriting team, customer risk management team, sales and operations.


Your profile:

  • Academic educational skills.
  • Highly motivated.
  • Strong team player – collaborative attitude.
  • Attracted by digitalization of processes.
  •  Data driven.
  • At least 3 years relevant professional experience in e-commerce or payment industry.
  • Experience in cross divisional and group work environments on an international level.
  • Excellent verbal and written skills in English language - a Nordic language, Dutch and/or German is highly appreciated.


'After' haar oprichting in 2010 is de organisatie uitgegroeid tot de AfterPay organisatie die ze nu is. Van FinTech startup tot marktleider in het achteraf betalen. De betaalmethode is bij duizenden webwinkels te gebruiken en onderdeel van het dagelijkse betalingsverkeer in ieder huishouden. Samen met meer dan honderd ambitieuze collega’s wordt er iedere dag hard gewerkt om koploper te blijven in de dynamische wereld van online betalen. Gericht op ontwikkeling en innovatie, om zo gezamenlijk de kwaliteit van de AfterPay dienstverlening continu te blijven verbeteren. Werken bij AfterPay betekent werken bij een van de meest toonaangevende werkgevers van de Benelux. Het betekent werken bij een organisatie waar je je stem kunt laten horen, waar je de kans krijgt om je te ontwikkelen en waar van nature een steentje wordt bijgedragen aan de maatschappij.

Beschik jij over unieke kwaliteiten om het talentvolle team van AfterPay te versterken? Breng jij de energie, kennis en/of ervaring om te voorzien in innovatieve ideeën? Draag die dosis potentieel aan door te solliciteren op de vacature en wie weet ben jij binnenkort een van de 'Afterpeople’. Ga voor meer informatie naar de website www.afterpay.nl


Arvato Financial Solutions
Let's be honest, finance is complicated. So we at Arvato Financial Solutions are proud to be guiding international as well as renowned local companies through the complex world of cash flows. Whether our customers sell shoes in e-commerce or offer telecommunications services, our services ensure efficient credit management for the best possible financial performance. Our approximately 7,500 employees solve new challenges in payments and complex data riddles every day, and do so cleverly, analytically and with an eye for every little detail as that is our DNA. We are seeking colleagues who want to take an active part in this - whether they are young professional, IT specialists, data analysts, advisers, managers or lateral entrants. And thanks to our presence in around 20 countries with a focus on Europe and America, there will usually be the right job available nearby. Innovate Yourself.
At AfterPay we have a clear goal: to be the leading partner for pay-after-delivery solutions in the European e-commerce market. A central part of our strategy is a convenient and safe payment process via the AfterPay portal requiring just a few finger taps. Whether by invoice, direct debit or instalment payments – customers decide how and when they want to pay and are provided with many innovative tools. AfterPay is clearly focused on the wishes and needs of its users: our highest aim is customer satisfaction, with which we want to achieve long-term, successful customer loyalty.



Bedrijf: Arvato Finance B.V.

Land: Netherlands

Provincie: Noord-Holland

Plaats: Amsterdam, Berlin or Verl 

Postcode: 1101 CB

Job ID: 85221

[[customQuickApply]]85221Arvato Finance B.V. 


Amsterdam, Berlin or Verl, NH, NL, 1101 CB

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