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Remote Merchant Underwriter Jobs (NOW HIRING)

YANMAR America

Consumer Retail Manager

Acworth, GA · Remote

$102K - $133K/yr

Remote Yanmar America is seeking a Consumer Retail Manager to serve as the business owner and ... Provide expert input on system requirements, underwriting policies, compliance standards, and ...

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$32.5K

$78.9K

$139.5K

How much do remote merchant underwriter jobs pay per year?

As of May 31, 2026, the average yearly pay for remote merchant underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Remote Merchant Underwriter, and why are they important?

To thrive as a Remote Merchant Underwriter, you need a solid understanding of credit risk analysis, financial statement review, and underwriting principles, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, payment processing systems, and compliance tools like Know Your Customer (KYC) platforms is essential. Strong analytical thinking, attention to detail, and effective communication skills help you assess risk accurately while working independently and collaborating with remote teams. These skills ensure sound risk decisions, regulatory compliance, and the protection of financial institutions from potential losses.

What are some common challenges Remote Merchant Underwriters face when evaluating merchants online?

Remote Merchant Underwriters often encounter challenges such as verifying the legitimacy of businesses without in-person interactions, identifying potential fraud risks, and ensuring compliance with regulatory standards across various regions. Working remotely may require greater reliance on digital tools for gathering and analyzing documentation, making effective communication with merchants and internal teams crucial. Staying updated on evolving industry trends and risk indicators is also important to make informed, accurate underwriting decisions.

What are Remote Merchant Underwriters?

Remote Merchant Underwriters are professionals who assess the risk and creditworthiness of businesses applying for merchant accounts, typically for processing credit card transactions. Working remotely, they review financial documents, business histories, and industry data to determine whether to approve or deny merchant account applications. Their role is critical in helping financial institutions manage risk and prevent fraud. Remote Merchant Underwriters use specialized software and communicate with clients and internal teams virtually to perform their duties efficiently.

What is the difference between Remote Merchant Underwriter vs Remote Credit Analyst?

AspectRemote Merchant UnderwriterRemote Credit Analyst
Required CredentialsTypically requires underwriting certifications, finance or business degreesOften requires finance, accounting, or economics degrees
Work EnvironmentRemote, within financial or lending companiesRemote, within banking or financial institutions
Industry UsageUsed in merchant services, payment processing, and lendingCommon in banking, investment, and lending sectors
Comparison Search IntentUnderstanding underwriting roles in merchant servicesEvaluating credit analysis positions in finance

Remote Merchant Underwriters and Remote Credit Analysts both assess financial information but focus on different areas. Merchant underwriters evaluate merchant applications for payment processing and merchant accounts, while credit analysts analyze credit data for lending decisions. Both roles require financial knowledge and often similar certifications, but they serve distinct functions within the financial industry.

More about Remote Merchant Underwriter jobs
What cities are hiring for Remote Merchant Underwriter jobs? Cities with the most Remote Merchant Underwriter job openings:
What are the most commonly searched types of Merchant Underwriter jobs? The most popular types of Merchant Underwriter jobs are:
What states have the most Remote Merchant Underwriter jobs? States with the most job openings for Remote Merchant Underwriter jobs include:
What job categories do people searching Remote Merchant Underwriter jobs look for? The top searched job categories for Remote Merchant Underwriter jobs are:
Remote Merchant Underwriter jobs near you
Infographic showing various Remote Merchant Underwriter job openings in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% Physical job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Consumer Retail Manager

Consumer Retail Manager

YANMAR America

Acworth, GA • Remote

$102K - $133K/yr

Full-time

Posted 10 days ago

Job description

Consumer Retail Manager
Product Strategy | Consumer Retail Finance

Location: Remote

Yanmar America is seeking a Consumer Retail Manager to serve as the business owner and subject matter expert for all Consumer Retail finance products. This strategic role is responsible for leading the feasibility analysis, development, launch, and ongoing optimization of YAF’s Consumer Retail programs.

This position plays a critical role in shaping YAF’s consumer finance strategy, supporting the Consumer Retail launch, and providing expert guidance across product development, compliance, systems, and field support.

Position Summary

The Consumer Retail Manager is the business owner and subject matter expert for all Consumer Retail finance products within Yanmar America Finance. This role is responsible for evaluating the feasibility of consumer programs, designing and launching new products, supporting existing retail efforts, and serving as the primary expert resource during the planning and implementation of the Consumer Retail launch.

This position works closely with senior leadership and cross-functional partners to ensure that consumer finance products are strategically sound, compliant, operationally scalable, and aligned with YAF’s growth objectives and risk appetite.

Key Responsibilities

Strategic Feasibility amp; Business Case

  • Lead the development and ongoing validation of the business case for Consumer Retail finance.

  • Assess market opportunities, competitive positioning, and financial feasibility.

  • Develop and maintain financial models to support strategic decision-making.

Product amp; Program Development

  • Design and own the full suite of Consumer Retail finance programs, including rate plans, product terms, promotional offers, and eligibility criteria.

  • Ensure programs align with Yanmar business objectives, credit strategy, and risk tolerance.

  • Oversee ongoing program enhancements and lifecycle management.

Subject Matter Expertise (SME)

  • Serve as the definitive business SME for Consumer Retail lending.

  • Provide expert input on system requirements, underwriting policies, compliance standards, and operational workflows.

  • Advise leadership and project teams on best practices in consumer lending.

Project Management amp; Launch Support

  • Support the YAF Project Team with planning, process documentation, vendor evaluation, and User Acceptance Testing (UAT) for the Consumer Retail launch.

  • Partner with IT, operations, credit, and vendors to ensure successful system implementation and readiness.

Sales amp; Field Support

  • Serve as the product expert for Dealer Sales Representatives.

  • Provide guidance on complex consumer lending scenarios.

  • Develop and support training materials related to consumer programs and compliance.

Performance amp; Optimization

  • Track, analyze, and report on the performance of Consumer Retail programs, both pre-YAF and YAF-managed.

  • Recommend data-driven adjustments to improve profitability, volume, credit quality, and portfolio performance.

Compliance amp; Regulatory Oversight

  • Partner with Legal and Compliance teams to ensure all Consumer Retail products, documents, and disclosures comply with federal and state lending regulations.

  • Monitor regulatory changes and assess impact on existing and future programs.

Knowledge, Skills, and Abilities

  • Expert-level knowledge of Consumer Retail Lending and automated credit decisioning

  • Strong strategic and analytical skills with the ability to build and evaluate detailed financial models

  • Experience designing, launching, and managing consumer finance products or programs

  • Deep understanding of consumer lending regulations, including Reg B, TILA, and FCRA

  • Exceptional collaboration and influencing skills across sales, finance, credit, IT, and leadership teams

  • Strong written and verbal communication skills

Core Competencies

  • Business Acumen

  • Advanced Decision Making and Judgment

  • Managing Projects or Programs

  • Collaboration

  • Job Knowledge

  • Communication

  • Building Partnerships

Qualifications

  • Bachelor’s degree in Business, Finance, or a related quantitative field

  • Minimum of 10+ years of experience in Consumer Retail or Point-of-Sale (POS) finance, with significant experience in product development, program management, lending operations, or lending leadership

  • Proven experience serving as a business SME on large-scale Loan Origination System (LOS) implementations or major system upgrade projects

  • Familiarity with the dealer-based distribution model is highly desirable

Additional Information

This job description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned. This description does not constitute an employment agreement and is subject to change based on business needs.

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