Department: Merchant Onboarding & Compliance Operations

Job Summary

We are seeking a detail-oriented and customer-focused Sales Officer / KYC Analyst to support merchant onboarding and compliance operations. The role is responsible for collecting, validating and verifying merchant documentation,

supporting risk assessment, ensuring adherence to KYC/AML requirements, and facilitating a smooth onboarding experience for merchants seeking payment and financial services.

Educational Qualification

* Mandatory: Bachelor's Degree from a recognized university.

* Preferred: B.Com, BBA, BMS, BBM, MBA (Finance/Marketing), Banking & Finance, Commerce or Business

Administration.

Experience

* 2 to 8 years of experience in Merchant Onboarding, KYC Verification, AML Compliance, Customer Due Diligence

(CDD), or Risk Operations.

* Experience in FinTech, Payment Gateway, Banking, Insurance, NBFC, Broking, or Financial Services is preferred.

Key Skills Required

Functional Skills: Merchant Onboarding; KYC Verification; AML Compliance; Customer Due Diligence (CDD);

Enhanced Due Diligence (EDD); Risk Assessment; Merchant Risk Profiling; Regulatory Compliance; Documentation

Review; Data Validation; Fraud Detection Awareness.

Technical Skills: Microsoft Excel; Microsoft Word; Outlook; CRM Tools; KYC Verification Platforms; Merchant

Management Systems; Document Management Systems.

Soft Skills: Excellent Communication; Client Relationship Management; Attention to Detail; Problem Solving;

Analytical Thinking; Time Management; Stakeholder Coordination.

Roles, Responsibilities & Duties

Merchant Onboarding





- Facilitate onboarding of new merchants by collecting and reviewing required documentation.
- Ensure merchant information is complete, accurate and compliant with onboarding requirements.
- Support merchant activation within defined timelines.

KYC Verification

- Verify merchant documents including business registrations, PAN, GST, bank details, identity proofs and address proofs.
- Validate submitted documents as per internal and regulatory guidelines.
- Identify discrepancies and coordinate with merchants for resolution.

Compliance & AML

- Conduct Customer Due Diligence (CDD) checks.
- Ensure adherence to KYC, AML and applicable regulatory requirements.
- Escalate suspicious or high-risk cases to the appropriate compliance team.

Risk Assessment

- Evaluate merchant profiles and categorize risk levels.
- Perform risk-based reviews and recommend further due diligence where required.
- Monitor onboarding risks and compliance exceptions.

Documentation Management

- Maintain accurate digital and physical records of merchant documents.
- Ensure records are updated and audit-ready.
- Track pending documentation and follow up for completion.

Merchant Communication

- Interact with merchants through phone, email and virtual meetings.
- Provide onboarding guidance and resolve documentation-related queries.




- Maintain a skilled and customer-focused onboarding experience.

Internal Coordination

- Collaborate with Sales, Compliance, Risk, Legal, Operations and Product teams.
- Ensure smooth processing of merchant onboarding requests.
- Participate in process improvement initiatives.

Process Improvement

- Identify operational bottlenecks and recurring onboarding issues.
- Suggest improvements to onboarding workflows.
- Contribute to efficiency and process-standardization initiatives.

Key Performance Indicators (KPIs)

- Merchant onboarding turnaround time (TAT)
- KYC accuracy rate
- Compliance adherence
- Merchant activation success rate
- Documentation completion rate
- Customer satisfaction
- Audit compliance

Preferred Candidate Profile

- Strong understanding of KYC and AML processes.
- Hands-on experience in merchant onboarding or customer onboarding operations.

Familiarity with Sole Proprietorship , Partnership, LLP, Private Limited and Public Limited entities.

- Strong analytical and decision-making skills.
- Ability to work independently in a fast-paced environment.
- Customer-centric approach with excellent interpersonal and communication skills.

Industry Preference

- FinTech
- Payment Gateway
- Banking
- NBFC
- Insurance
- Broking
- Financial Services

Employment Details

Position Sales Officer / KYC Analyst Merchant Onboarding

Department: Merchant Onboarding & Compliance Operations

Employment Type Full-Time

Experience: 2 - 8 Years

Education Bachelor's Degree

Location: Open / As per business requirement (DELHI/DELHI-NCR)

Notice Period: Immediate to 30 Days Preferred

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