Social network you want to login/join with: My client is an exciting new start-up in the Payments space who are building the future of Payments. They are looking for a Head of Risk Underwriting to join the team and play a mission-critical role in shaping the risk framework from the ground up. Shape the risk foundation of a fintech from day one
Have the opportunity to grow as the company scales
Build the Underwriting Function : Design and implement end-to-end underwriting processes tailored to a digital-first payments business.
Policy Development : Establish risk acceptance policies, credit exposure limits, and transaction monitoring thresholds across customer segments.
Customer Risk Assessment : Oversee onboarding risk reviews, KYB assessments, and underwriting decisions for new merchants or partners.
Risk Frameworks : Develop and maintain risk scoring models and automated decisioning tools in collaboration with data and product teams.
Portfolio Monitoring : Monitor risk performance and early warning indicators across the merchant portfolio, proactively identifying emerging risks.
Cross-functional Collaboration : Work with Legal, Compliance, Product, and Engineering teams to ensure risk controls are embedded into product workflows.
Regulatory Readiness : Support regulatory obligations (e.g., PSD2, AMLD, or local frameworks) as they relate to underwriting and customer due diligence.
Build and manage a lean, high-performing risk team as the business scales.
5+ years of experience in Credit Risk
~ Proven ability to design underwriting policies and frameworks from scratch.
~ Strong analytical skills and comfort with data tools; ability to define and interpret risk metrics and reporting.
~ Familiarity with regulatory requirements related to payments, fraud, and financial crime.
~ Ability to balance commercial outcomes with robust risk controls.
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