Payments Underwriting Specialist

Tekmetric•Houston, TX

8h•Hybrid

About The Position

Tekmetric is the all-in-one, cloud-based platform helping auto repair shops run smarter, grow faster, and serve customers better. Built by a shop owner and shaped by the needs of the industry, Tekmetric brings together innovation, real-world experience, and a thriving community to help shops thrive - not just survive. From running a shop, to securing payments to engaging customers, our platform simplifies operations so shop owners can focus on what really matters: delivering exceptional service, earning trust, and growing sustainably. Officially founded in Houston in 2017, Tekmetric has grown from a single shop’s vision to the industry’s leading solution - all by staying true to our values of transparency, integrity, innovation, and a service-first mindset. But we’re not just building software. We’re building a movement. We’re empowering repair shops to rise above the daily grind, create meaningful connections with their customers, and lead the industry forward - one interaction at a time. Come build with us. Join the journey. Shape the future of auto repair. Working the Tekmetric Way At Tekmetric, we’re building a culture where winning matters - not for ego, but because when our customers win, we win together. We move fast, stay curious, and take full ownership of our results — no excuses, no finger-pointing. If you thrive in ambiguity, take initiative, and view honest feedback as fuel for growth, you’ll feel right at home here. We’re direct but respectful, ambitious yet grounded, and collaborative at every level. Everyone leads through impact and is encouraged to speak up, share ideas, and challenge assumptions (even your manager’s). This is a place for builders, not bystanders. Success here takes focus, follow-through, and a willingness to roll up your sleeves — but if you’re driven by meaningful work and real results, it’s deeply rewarding. You’ll join a team that cares about the work, supports one another, and takes smart risks to achieve bold goals. Be yourself, stay mission-focused, and you’ll thrive. If that energizes you, we can’t wait to meet you. Where We Work: At Tekmetric, great work can happen anywhere — but great teams are built through intentional connection. Our hybrid model means no role is fully remote, offering flexibility while strengthening collaboration and alignment. We host team and company-wide offsites throughout the year to deepen connection and reinforce shared goals. Attendance is expected and fully supported. As a Payments Underwriting Specialist, you will be the primary gatekeeper of our payment ecosystem, evaluating the creditworthiness of diverse businesses across both card-present and digital environments. You’ll leverage deep financial analysis and cross-departmental collaboration to approve new accounts while proactively monitoring our portfolio to mitigate fraud and risk.

Requirements

Minimum two years of experience in an underwriting environment, with direct experience in credit card processing required
Demonstrated ability to assess merchant risk and creditworthiness across multiple business types
Clear, confident written and verbal communication, including requesting documentation from merchants
Attention to detail and strong analytical judgment
Ability to independently manage a high-volume application pipeline without sacrificing accuracy
Proven integrity and discretion when handling sensitive financial and personal data
Strong experience reviewing financial and identity documentation (bank statements, tax returns, business reports, credit bureaus)
The ability to adhere to the core working hours of 10am - 7pm Central Time

Nice To Haves

Direct experience with Stripe is considered a plus

Responsibilities

Analyzing various applicants and business types in multiple credit card processing environments, both card-present and non-card-present.
Requesting and obtaining additional information from the necessary parties to complete the credit review process
Determining creditworthiness for small to large merchants, both new and established.
Handling a wide range of lending amounts, including standard and non-standard documentation.
Comprehensive review and analysis of individual and company reports, including Experian, Equifax, Dunn and Bradstreet, Lexis-Nexis, Tax Returns, Financial statements, etc.
Communicating confidently and effectively with merchants AND sales representatives as needed to obtain updated financial information or any other documentation needed.
Maintaining and monitoring the portfolio of merchants through monthly reports and evaluate/manage risk to identify suspicious merchant activity and mitigate fraudulent behavior and charges.
Working with department personnel to obtain historical data and feedback for the previous 12 months' account performance.
Recommending and developing enhancements, sources, and resources to assist in the credit review process.
Communicating effectively with internal company departments and multiple levels of management.
Being prepared to address production overflow, short staffing, or special projects.

Benefits

Enjoy the flexibility of remote work
Competitive base salaries that reflect your value.
Generous Paid Time Off, because we know you do your best work when you're well-rested.
Support for every stage of life—with paid maternity, parental bonding, and medical leave for you or your loved ones.
Comprehensive health benefits, including Medical, Dental, Vision, and Prescription coverage. For employee only, we offer plans that cover 100% of premiums and we cover 50% of costs for families.
Prioritizing your mental health: get free, confidential counseling through our partnership with BetterHelp.
401(k) Retirement Savings Plan with 100% employer match on contributions up to 6% - so your future self will thank you.
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) to make your money go further.
Life and Accidental Death & Dismemberment (AD&D) Insurance for added peace of mind.
Wellness on your terms: get up to $60/month toward fitness, mental health, or almost anything that helps you feel your best.
After one year of employment, enjoy a $300 home office setup bonus to help make your space work for you.
Keep growing with support for continuing education - we’re invested in your development.
Most importantly, we have a stellar team of coworkers, a really cool office, and lots of fun activities!