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Underwriter
About Contour
Contour Software
has grown from a dozen people to over 2,000 staff across 3 cities, in less than 14 years.As a subsidiary of Constellation Software Inc., we are proud to be part of a global enterprise software conglomerate that has grown to become one of the top 10 software companies in the world, with employees and customers in 100+ countries. With a broad-based and ever-growing portfolio of market-leading, vertical-market enterprise solutions covering more than 100 industry domains in predominantly mature markets, CSI's recipe creates the perfect environment for professionals to build fulfilling, long-term careers.
What started as an R&D & Accounting back-office, has progressed into a full-service Global Centre serving all functions and departments, at the divisional as well as operating group/corporate level. Today Contour employees, located in Karachi, Lahore & Islamabad, are serving CSI divisions located in time zones spanning the globe, from Sydney to Vancouver. With the global growth of Constellation as the wind in our sails, we are only just getting started!
About the Role
Constellation Payments is seeking an Underwriter responsible for evaluating merchant applications, verifying compliance requirements, and assessing risk to ensure the integrity of our merchant portfolio. You will work closely with the Underwriting & Risk Lead, Sales, and internal stakeholders to execute thorough reviews and deliver clear, well‑supported underwriting decisions. This role is essential in protecting the organization while ensuring a smooth and compliant onboarding process.
What You’ll Do
- Review and underwrite new merchant applications and account changes using established underwriting policies and risk guidelines.
- Evaluate KYC/KYB documentation, business models, ownership structures, and industry classifications to identify potential risk indicators.
- Analyze financial documents, credit reports, processing history, and supporting materials to determine merchant suitability.
- Collaborate with the Underwriting & Risk Lead on complex cases, documentation gaps, or policy exceptions.
- Partner with Sales and Partner teams to clarify application details and ensure all required information is complete and accurate.
- Communicate underwriting decisions clearly and professionally, including approvals and declines.
- Ensure compliance with card brand rules, internal policies, and regulatory requirements.
- Maintain accurate internal documentation and contribute to updates of underwriting procedures as needed.
- Support periodic audits and internal reviews led by the Underwriting & Risk Lead.
- Perform additional responsibilities assigned by leadership to support departmental and organizational objectives.
Basic Qualifications
- 2–4 years of experience in underwriting, risk assessment, merchant onboarding, or financial services.
- Strong understanding of merchant acquiring, payments risk, and card brand rules.
- Ability to interpret financial documents, credit reports, and application details to assess risk.
- Experience with KYC/KYB, AML red flags, and compliance requirements.
- Excellent analytical, decision‑making, and documentation skills.
- Strong written and verbal communication abilities.
- Experience with underwriting systems and verification tools.
- Ability to work independently and collaboratively in a fast‑paced environment.
Preferred Qualifications
- Experience in payments underwriting, fintech underwriting, or merchant risk evaluation.
- Familiarity with high‑risk business categories and enhanced verification practices.
- Knowledge of PCI compliance and merchant acquiring processes.
- Experience working with ISOs, payment facilitators, or gateway providers.
- Basic exposure to data tools or SQL (nice to have).
Work Location & Flexibility
Constellation Payments operates on a 100% remote‑first model, enabling employees to work from home or any approved location within the hiring country.
Equal Opportunity & Legal Disclosures
Constellation Payments is an Equal Opportunity Employer and does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability.
This position does not offer visa sponsorship; candidates must have existing authorization to work in the U.S
Exciting Benefits we offer:
- Market-leading Salary
- Medical Coverage – Self & Dependents
- Parents Medical Coverage
- Provident Fund
- Employee Performance-based bonuses
- Home Internet Subsidy
- Conveyance Allowance
- Profit Sharing Plan [Tenured Employees Only]
- Life Benefit
- Child Care Facility
- Company Provided Lunch/Dinner
- Professional Development Budget
- Recreational area for in-house games
- Sporadic On-shore training opportunities
- Friendly work environment
- Leave Encashment
Disclaimer: At Contour, we attribute our success to the unique contributions of our diverse staff. We’re committed to fostering a culture of respect that thrives on the varied perspectives and experiences of all individuals we recruit, employ, promote, and compensate. Since day one, we’ve adhered to a policy that champions a work environment honoring the worth and dignity of each person while being free from all forms of employment discrimination.
In our continuous effort to promote inclusivity, we extend our commitment to individuals with special needs by providing reasonable accommodations. We actively encourage qualified individuals with special needs to apply for the various openings within our company. Should you require assistance in completing the application process or have any inquiries regarding special facilities, please do not hesitate to contact our HR team. Your unique talents and abilities are welcomed and valued here.
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