About Us
Established in March 2018, Bybit is one of the fastest growing cryptocurrency derivatives exchanges, with more than 70 million registered users. We offer a professional platform where crypto traders can find an ultra-fast matching engine, excellent customer service and multilingual community support. We provide innovative online spot and derivatives trading services, mining and staking products, as well as API support, to retail and institutional clients around the world, and strive to be the most reliable exchange for the emerging digital asset class.
Our core values define us. We listen, care, and improve to create a faster, fairer, and more humane trading environment for our users. Our innovative, highly advanced, user-friendly platform has been designed from the ground-up using best-in-class infrastructure to provide our users with the industry's safest, fastest, fairest, and most transparent trading experience. Built on customer-centric values, we endeavour to provide a professional, 24/7 multi-language customer support to help in a timely manner.
As of today, Bybit is one of the most trusted, reliable, and transparent cryptocurrency derivatives platforms in the space.
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
- Proficient in Hive, SQL, and Excel, with strong capabilities in merchant risk data analysis and issue diagnosis.
- Able to independently build merchant risk profiles, analyze transaction behaviors, decompose limit utilization and risk metrics, and deliver clear, actionable risk conclusions and recommendations.
Risk & Credit Expertise
- Strong understanding of B2B merchant risk and credit evaluation frameworks, including merchant onboarding, limit assessment, and lifecycle management.
- Familiarity with common merchant-side risk scenarios, such as high-amount transaction risk, fund concentration risk, settlement risk, chargeback risk, and refund risk.
- Capable of translating merchant risk assessments into actionable credit limits, risk rules, or merchant exit strategies, and validating their effectiveness through continuous monitoring.
Why Join Us
At Bybit, we are committed to fostering a supportive and enriching work environment.
Our benefits include:
- Study Growth Fund: We support your professional development and continuous learning.
- Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
- Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
- Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
- Internal Mobility: Grow with us Your long-term development is important to us. We offer internal job opportunities to help build your career path.
