• Define and execute a forward-looking underwriting strategy aligned to corporate growth targets, risk appetite, and capital efficiency objectives. • Establish and maintain dynamic risk tolerance frameworks segmented by vertical, channel, and product type. • Partner with Sales, Product, Finance, and Compliance to embed risk-adjusted decisioning into go-to-market strategy. • Oversee end-to-end merchant underwriting across SMB, mid-market, and enterprise segments. • Develop and maintain underwriting policy, exception governance, and escalation protocols. • Monitor portfolio performance metrics (loss rates, chargeback exposure, fraud indicators, concentration risk) and proactively recalibrate underwriting criteria. • Support with the implementation of predictive modeling and machine learning capabilities to enhance risk scoring and pricing precision. • Drive underwriting automation and straight-through processing to improve speed-to-decision while preserving control integrity. • Optimize workflow design, capacity planning, and service-level standards to support scalable growth. • Build robust QA and second-line review mechanisms to ensure policy adherence and regulatory compliance. • Ensure underwriting practices comply with card brand rules, sponsor bank requirements, AML/BSA standards, and applicable state and federal regulations. • Maintain strong documentation, audit trails, and defensible decision frameworks. • Serve as primary underwriting liaison during regulatory exams, sponsor bank reviews, and internal audits. • Champion data-driven decisioning, including integration of alternative data sources and third-party risk intelligence tools. • Collaborate with Technology and Data teams to modernize underwriting systems and reduce manual friction points. • Leverage analytics to identify emerging industry risk trends and proactively adjust exposure. • Recruit, develop, and retain high-performing underwriting and risk professionals. • Establish a culture of accountability, analytical rigor, and commercial partnership. • Create clear performance KPIs tied to portfolio outcomes and operational efficiency.

• Analyze medical, personal and financial information to assess the overall risk to the organization in accordance with applicable standards and practices • In the event of non-standard decisions, negotiate with reinsurers to find solutions to obtain the best possible decision for our members, clients and partners • Communicate in writing or by phone with stakeholders • Help develop operational processes and modifications to the sector's computer systems • Make decisions and be able to justify them to members, clients and partners

Role Description Evaluate the accuracy of AI models in visual document understanding within the Underwriting domain. - Author complex, grounded tasks with clear ground-truth outputs and objective rubrics. - Review and improve AI model outputs to ensure alignment with domain principles. - Develop benchmarks for assessing AI-generated tasks and solutions. - Collaborate with AI research teams to enhance training data quality and performance. - Work independently and asynchronously to meet deadlines and improve model performance. Qualifications - Expertise in visual document understanding. - Experience in the Underwriting domain. - Ability to work independently and remotely. Company Description Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark, General Catalyst, Peter Thiel, Adam D'Angelo, Larry Summers, and Jack Dorsey.

• Cover underwriter pipelines during planned and unplanned absences, including vacation, leave, and other time-off scenarios. • Absorb overflow loan volume across multiple teams to ensure production targets and service level commitments are met. • Review and update loan files upon return from closing for any changes, adjustments, or outstanding conditions requiring resolution. • Identify and correct time-entry discrepancies and other issues in Workday in coordination with team managers. • Operate as a floater across multiple underwriting teams, adapting quickly to varying pipelines, team structures, and lender overlays. • Underwrite loans across all agency product types in compliance with applicable guidelines, investor requirements, and company policies. • Maintain clear, timely communication with VP of Underwriting, team managers, and support staff regarding pipeline status and priority items. • Uphold all quality standards and regulatory requirements consistent with the organization's underwriting practices. • Work remotely with a reliable internet connection and maintain a professional home office environment. • Maintain availability during standard business hours with flexibility for peak production periods and occasional overtime.