Overview
GoCardless is a global bank payment company. Over 100,000 businesses use GoCardless to collect and send payments through direct debit, real-time payments and open banking. We process US$130bn+ of payments annually across 30+ countries, enabling recurring and one-off payments with reduced effort and cost. We leverage AI-powered solutions to improve payment success and reduce fraud, and provide open banking connectivity to over 2,500 banks to help customers make faster, better-informed decisions.
We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia, Portugal and the United States.
At GoCardless, we’re committed to inclusive and accessible hiring. If you need extra support or adjustments, reach out to your Talent Partner. We don’t expect you to meet every requirement—if you’re excited by this role, we encourage you to apply.
Merchant Operations at GoCardless
This role sits in the Merchant Operations Group, responsible for high-throughput processes and systems such as KYC and onboarding, customer support, payment operations, and billing. The team ensures these functions run efficiently to scale the business and maintain healthy margins, serving both external and internal customers globally.
The role
The role leads a small operational team of credit risk underwriters, safeguarding financial health by ensuring robust credit evaluation and proactive risk management. It suits someone hands-on, with a high degree of autonomy, capable of guiding a team through change.
What excites you
Core Responsibilities
* Oversee credit risk reviews and high-risk onboarding processes that evaluate the creditworthiness of prospective customers and risks in sales deals; advise sales leadership on risk-adjusted pricing as needed.
* Review complex credit decisions and escalations; make final determinations on approvals or conditions, escalating to senior management as needed.
* Oversee processes that manage existing customer risk, including requests for limit increases or new product access.
* Continuously monitor existing portfolios; adjust limits, holding periods, cash covers or other mitigation tools as appropriate.
* Drive proactive risk mitigation by leading the team in quickly actioning risk alerts to prevent or minimise losses.
* Participate in executive-level deal reviews as needed.
Leadership
* Develop and lead a high-performing team of underwriters, providing guidance, support and mentorship, including through disruption and change.
* Set clear goals and objectives for the team and individuals; monitor performance and provide regular feedback and coaching.
* Build bench strength through cross-skilling and training to eliminate single points of failure and enhance performance.
* Instill a culture of ownership and accountability over decision-making, leading by example.
Operational Excellence
* Develop and implement a vision for excellence and improve performance against defined KPIs with regular reporting.
* Participate in strategy definition, roadmapping and deployment.
* Collaborate with engineering and PD teams to define future product direction, agree desired business outcomes and requirements, and influence prioritisation.
* Drive operational efficiency and continuous process improvement; identify bottlenecks, develop SOPs, and implement scalable solutions.
* Maintain controls for SOC1 and financial audits; build and implement QA frameworks to maintain quality and provide feedback.
Experience and Skills
* Experience in a role directly accountable for credit underwriting in a B2B environment of comparable scale.
* Understanding of risks in a bank-to-bank payments business, such as chargebacks.
* Expertise in financial statement analysis, risk modelling, and credit policy adherence.
* Proficiency in data analytics and BI tools.
* Track record of building, growing and retaining a high-performing team.
Skills
* Advocate for effective and balanced risk management while supporting commercial needs with clear standards for acceptable risk.
* Excellent stakeholder management with ability to build strong working relationships with commercial teams.
* Problem solver with strong operational and commercial acumen and deep root-cause analysis skills.
We don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply.
Compensation and Benefits
Base salary ranges depend on role, level, location, and market data. Our approach is to pay between the minimum and mid-point of the pay range (e.g., £76,000 - £95,000) until performance is assessed in role. Offers will consider experience, interview assessments, budgets and parity with colleagues.
* The Good Stuff!
* Wellbeing: Dedicated medical cover.
* Work Away Scheme: Work from anywhere for up to 90 days in 12 months.
* Hybrid Working: In-office days determined by your team.
* Equity: All permanent employees receive equity.
* Parental leave: Tailored leave to support life events.
* Time Off: Generous holidays, 3 volunteering days, and 4 wellness days annually.
Life at GoCardless
We are a values-driven organization: start with why, make it happen with urgency and accountability, act with integrity, care deeply, and be humble. Our values guide our culture and the impact we deliver.
Diversity & Inclusion
We’re building the payment network of the future and aim for a diverse team with a range of perspectives. As of July 2024: 45% identify as women; 23% identify as Black, Asian, Mixed, or Other; 10% identify as LGBTQIA+; 9% identify as neurodiverse; 2% identify as disabled. Read about our Employee Resource Groups and our latest D&I report for more information.
Sustainability
We’re committed to reducing environmental impact and pursuing a climate-positive future as a founder of the Tech Zero coalition. Check out our sustainability action plan for details.
Apply
If you’re interested in building your career at GoCardless, apply for this job today and we will get in touch with next steps.
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