About the role
We are looking for a commercially sharp and process-driven Manager – Merchant Operations to own the complete merchant lifecycle on our RBI-licensed Payment Aggregator (PA) platform. From initial onboarding and underwriting through to day-to-day account management, device operations, high-risk reviews, and merchant payments, this role covers every touchpoint of the merchant relationship. You will ensure that our merchant base is onboarded compliantly, monitored continuously, and served efficiently—directly influencing merchant activation rates, transaction volumes, and platform trust.
What you'll do
Merchant Onboarding, KYC/KYB & Underwriting
Own the end-to-end merchant onboarding process—application intake, document collection, KYC/KYB verification, business due diligence, underwriting assessment, and account activation—in compliance with RBI PA guidelines.

Define and maintain onboarding SOPs, checklists, and turnaround time benchmarks; continuously reduce time-to-live for recent merchants without compromising due diligence quality.





Manage the merchant underwriting and activation framework—assessing business models, transaction volumes, risk profiles, and regulatory eligibility before approving live access.

Coordinate with the Compliance team for enhanced due diligence (EDD) on high-risk categories, PEP screenings, adverse media checks, and negative list screenings.

Manage and continuously improve the merchant onboarding portal/workflow, working with the product team to automate and digitise documentation flows.
Enhanced Due Diligence & High-Risk Merchant Review
Own the EDD process for high-risk merchant segments—including those in RBI-flagged categories, merchants with elevated chargeback or refund ratios, and businesses requiring additional beneficial ownership verification.

Chair or participate in a periodic high-risk merchant review committee; assess ongoing eligibility and take decisions on limit changes, additional monitoring, suspension, or o

📌 Manager - Merchant Operations (Lucknow)
🏢 Qode
📍 Lucknow