Senior B2B Payment Risk Operations Specialist

About Us Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance. Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution. Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services. Job Description: Responsible for B2B merchant risk operations and credit evaluation, focusing on risks across merchant onboarding, transaction limits, fund exposure, and settlement processes. Through merchant profiling, transaction behavior monitoring, and risk reviews, identify typical risk issues in high-amount, high-frequency, or highly concentrated transaction scenarios, and propose practical and actionable risk and credit optimization solutions. Risk Review / Credit Evaluation Conduct comprehensive assessments of merchant qualifications, business models, fund flows, and risk-bearing capacity for prospective and existing B2B merchants. Perform professional reviews and judgments on high-amount transactions or limit adjustment requests. Continuously optimize merchant review standards and credit rules by analyzing historical transaction performance, limit utilization, and post-event risk outcomes, reducing the onboarding rate of high-risk or low-quality merchants. Risk Analysis & Investigation Proficiently utilize risk and operations analytics tools to identify and conduct in-depth analysis of B2B merchant risk events and abnormal transactions. Reconstruct abnormal trading behaviors and fund flow paths to accurately restore the full risk chain, identify core merchant-level risk characteristics, and propose targeted limit management, risk control strategies, or merchant exit mechanisms. Monitoring & Early Warning Continuously monitor B2B merchant transaction volumes, limit utilization, risk indicators, and strategy effectiveness. Participate in the development of merchant risk and credit early-warning mechanisms, proactively identify potential credit deterioration or risk amplification signals, and improve merchant risk identification and control efficiency through coordination between risk operations and strategy deployment. Cross-Functional Collaboration Work closely with Business, Sales, Product, Engineering, Legal, and Compliance teams to systematically translate B2B merchant risk and credit management requirements into merchant lifecycle management, limit management, and settlement processes, jointly ensuring the stable and sustainable development of B2B business operations. Qualifications: Education Bachelor’s degree or above in Finance, Economics, Accounting, Mathematics, Statistics, Computer Science, or related fields preferred. Experience 3+ years of experience in risk management, credit evaluation, or risk operations, preferably within financial services, fintech, or consulting. Experience in B2B merchant risk management, credit evaluation, limit management, or high-amount transaction risk control is strongly preferred. Prior exposure to payment institutions, acquiring, merchant settlement, or cross-border payment businesses is a plus. Skills: Technical Skills Profi…