Merchant Monitoring Manager
PayU is Prosus's payments and fintech business, providing payment acceptance, payouts, cross-border payments, affordability and credit solutions, and payment-security technology.
Projects
About PayU
PayU is an active financial-services technology company whose current operating focus is India. Its platform serves merchants through payment gateway and online/offline collection products supporting cards, UPI, wallets, EMI, BNPL, QR and other methods, plus payouts, payment links, invoices, subscriptions, cross-border payments and merchant tools. PayU's broader financial-services platform includes credit operations under LazyPay and payment-security and PayTech services through Wibmo. Prosus reports PayU processed US$90 billion in payment volume in FY26 and generated US$781 million in revenue.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will lead merchant risk monitoring activities, identify and mitigate merchant-related risks, and develop a high-performing team. You will improve monitoring rules and workflows, use data and automation to strengthen detection, manage operational performance, and partner with internal stakeholders on risk controls and regulatory requirements.
Requirements
- 4+ years of experience in merchant risk, fraud prevention, or merchant monitoring within an acquirer, PSP, bank, or fintech.
- At least 2 years of people-management experience, including recruitment, performance reviews, and difficult conversations.
- Knowledge of card transaction flows, e-commerce payments, merchant onboarding, marketplaces, resellers, chargebacks, Visa and Mastercard monitoring programmes, and merchant categorization.
- Experience investigating merchant websites, identifying suspicious business models, and developing, calibrating, and validating monitoring rules.
- Experience designing and optimising operational processes, identifying bottlenecks and automation opportunities, and developing procedures.
- Familiarity with BPMN, capacity planning, and skill matrices.
- Experience implementing AI or automation to improve processes or deliver measurable business benefits.
- Knowledge of risk classification, PEP and sanctions screening, Suspicious Activity Reports, and Compliance cooperation.
- Hands-on SQL and advanced Excel experience.
- Ability to interpret technical documentation and understand monitoring systems.
- Experience with KPIs, reporting, business continuity, incidents, and audits.
- Stakeholder management, decision-making, prioritisation, and communication skills.
- English and Polish proficiency suitable for business communication.
- Experience managing project backlogs, timelines, milestones, dependencies, and delivery risks.
- Experience supporting card-scheme or regulatory audits.
- Familiarity with card schemes and upcoming EU AML regulation changes.
Responsibilities
- Identify and assess merchant risk typologies, including scams, non-delivery, money laundering, concealed business activities, and fraudulent websites.
- Manage recruitment, performance reviews, employee development, workload allocation, operational priorities, and business continuity.
- Map and improve operational workflows, identify bottlenecks and control gaps, develop procedures, and identify automation opportunities.
- Identify and implement AI and automation opportunities to reduce manual work and improve operational efficiency.
- Develop, calibrate, and validate transactional monitoring rules and feedback loops to improve risk detection.
- Analyse data to investigate trends, identify anomalies, validate findings, and support decisions.
- Monitor KPIs, reporting, operational queues, team capacity, and skill matrices.
- Lead the team through incidents, audits, and operational challenges.
- Collaborate with Compliance, Risk, Operations, and Technology stakeholders to improve controls and meet regulatory and card-scheme requirements.
Benefits
- Employment contract
- Customizable benefits package through MyBenefit
- Hybrid work model with two office days per week