PETER WEITL
Senior Credit Risk & Payments Executive | Fintech, Payments & Commercial Credit | Strategy, Underwriting & Portfolio Leadership
San Francisco, CA | (415) 756-1891 | peter@weitlenterprises.com | linkedin.com/in/weitl
Executive Profile
Senior credit risk and payments executive with 20+ years spanning fintech, global payments, merchant acquiring, commercial banking, and enterprise credit. Senior Director-level scope at Worldline, leading credit-risk oversight across approximately 350 merchant relationships within a ~$91B global payments environment, including direct recurring underwriting of 54 larger and higher-risk relationships and delegated net-exposure authority up to approximately $20M. Combines commercial-bank underwriting discipline with transaction-level payments data to protect enterprise value while enabling responsible growth.
Core Leadership & Risk Expertise
Credit Risk Strategy & Operations; Merchant and Commercial Underwriting; Payments and Merchant Risk; Merchant Acquiring; Portfolio Monitoring; Exposure and Counterparty Risk; Financial Statement and Cash-Flow Analysis; Credit Policy and Risk Appetite; Acquiring Bank and Processor Partnerships; PayFac/PSP Risk; Settlement and Liquidity Risk; Cross-Border Payments; Fraud and Chargebacks; Distressed Credit and Recoveries; Risk Analytics; Process Transformation; SQL; Power BI; AI-Enabled Risk Processes.
Selected Executive Impact
- Supported approximately 35% processing-volume growth while reducing net credit exposure approximately 20% through stronger credit decisioning, exposure measurement, portfolio monitoring, and capital-efficient security structures.
- Cut application-to-credit-approval cycle time approximately 50% by redesigning underwriting and onboarding workflows and institutionalizing a pragmatic “Yes / Yes-If” approach.
- Generated approximately $15M in recoveries through distressed-credit, bankruptcy, workout, and recovery strategies across more than a dozen merchant relationships.
- Served as senior financial and credit-risk authority in approximately 39 acquiring-bank and processor examinations and certifications.
Professional Experience
Weitl Enterprises LLC — Payments & Risk Management Consultant
June 2025 - Present
- Provide independent advisory support across credit risk strategy and operations, payments risk, merchant underwriting, portfolio risk, exposure management, operational risk, and risk governance.
- Advise on underwriting frameworks, credit decisioning, portfolio monitoring, exposure management, early-warning approaches, approval authorities, and acquiring-bank expectations.
- Apply risk analytics, workflow automation, Power BI, SQL-derived reporting, and AI-enabled processes to improve monitoring, decision support, and operating efficiency.
Worldline — Senior Credit Manager, Key Accounts - North America
August 2012 - May 2025Senior Director-level scope across approximately 350 relationships in a ~$91B global payments environment spanning North America, Latin America, and Europe.
- Directly performed recurring underwriting for 54 larger and higher-risk merchant relationships, combining financial-statement and cash-flow analysis with transaction behavior, chargebacks, reserves, settlement terms, and forward exposure.
- Exercised delegated net-exposure approval authority generally up to approximately $20M using limits, reserves, collateral, guarantees, letters of credit, and settlement controls.
- Owned oversight for 12 PSP/PayFac relationships representing approximately $25M in combined gross exposure, including delegated boarding, sub-merchant underwriting, exceptions, and portfolio governance.
- Supported approximately 35% processing growth while reducing net credit exposure approximately 20%; redesigned workflows to cut application-to-credit-approval cycle time approximately 50%.
- Developed workout and recovery strategies across more than a dozen relationships, generating approximately $15M in recoveries.
- Represented Worldline in approximately 39 acquiring-bank and processor examinations and certifications and defined decision outputs for Power BI, FICO, and AI-enabled monitoring.
First Republic Bank — Senior Program Manager (Contract)
September 2010 - August 2012
- Led commercial-credit process transformation and governance in a regulated banking environment.
- Redesigned onboarding and cross-functional handoffs, reducing average cycle time from approximately 21 days to 10.
McKesson Corporation — Director of Credit
August 2008 - September 2010
- Directed senior-level credit decisioning and portfolio risk management within an approximately $17.5B accounts-receivable portfolio serving major pharmacy, healthcare, and hospital relationships.
- Served as senior escalation authority for significant commercial credit and underwriting decisions.
Bank of the West — Vice President, Commercial Credit Officer
May 2004 - August 2008
- Managed and underwrote an approximately $350M upper-middle-market C&I, commercial real estate, and nonprofit portfolio, with independent credit approval authority up to approximately $15M.
- Led five senior credit analysts and designed electronic tools that improved service-level efficiency by approximately 75%.
Education
Lewis University — Romeoville, IllinoisB.A., Business Administration; B.A., Marketing | 2002