Risk Manager

We are looking for an experienced Risk Manager to build and own the acquiring risk function within a growing payments business.

This role reports directly to the CEO and offers real ownership, autonomy, and business impact.

⚠️ Important:
This role is fully focused on Credit Risk and Fraud (financial loss prevention).
AML and Regulatory Compliance responsibilities are handled by separate functions.

🔎 Key Responsibilities:

• Assess merchant business models and financial statements
• Evaluate acquiring exposure and delayed delivery risks
• Make onboarding, approval, and rejection decisions for merchants
• Set rolling reserves, holdbacks, processing limits, and settlement terms
• Monitor transaction activity and identify fraud patterns
• Prevent bust-out fraud before financial losses occur
• Configure and manage fraud rules and monitoring frameworks
• Freeze merchant payouts and conduct investigations when required

✅ Requirements:

• 3+ years of experience in acquiring risk / PSP / card issuing
• Strong understanding of settlement cycles and acquiring liability
• Advanced analytical skills (Excel / SQL / Tableau / Looker)
• Experience with merchant underwriting and fraud monitoring
• Ability to make fast, data-driven decisions
• English: Upper-Intermediate+

❌ Not suitable for:
Candidates with only traditional retail banking credit risk experience (mortgages, personal loans, etc.) without acquiring/payments exposure.

💡 What We Offer:
• Opportunity to build the risk function from scratch
• Direct collaboration with the CEO
• High level of ownership and autonomy
• Real impact on the company’s financial stability

📩 Feel free to message me directly or send your CV if interested.