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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. This is a fantastic role if you want to:
Shape the risk foundation of a fintech from day one
Work alongside a team of experienced operators and builders
Have the opportunity to grow as the company scales
Key Responsibilities
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.
Team Leadership : Build and manage a lean, high-performing risk team as the business scales.
What We're Looking For
5+ years of experience in Credit Risk
Must have Payments experience
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.
Experience working in a start-up or high-growth, fast-paced environment.
Ability to balance commercial outcomes with robust risk controls.
Strong communication and stakeholder management skills.
Entrepreneurial mindset and a bias for action.
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