Job Description

We are looking for a dynamic, innovative and cross-functional Head of Merchant Risk in the North America Region to join our Merchant Risk team. In this role, you will report directly to the Global Head of Merchant Risk and work cross functionally; you’ll lead the North America merchant risk policy framework, merchant risk operations and onboarding of Afterpay and CashApp across different segments to deliver against strategic priorities in the region.

The ideal candidate has drive, resilience, versatility, outstanding communication and leadership skills, is well-versed in the risk and payments space, enjoys interdisciplinary collaboration, and knows how to roll out programs across regions in a challenging, vibrant and fast-paced environment.

You Will

• Act as a strategic advisor to senior management, commercial and business partners on underwriting-related matters across different products and deals
• Develop the necessary standards, procedures and policies for ensuring we have a merchant risk onboarding function that can, at scale, review and underwrite complex mid market and enterprise merchants but also small business
• Standardize the approach to underwriting operations, creating efficiencies with continuous improvement of our platform and systems, and elevating the capability of the team
• Develop, define, communicate and implement underwriting strategies and vision in line with the businesses short and long-term strategic objectives with respect to loss ratios, underwriting SLA’s and portfolio performance
• Work in tandem with Sales, Account Management, Business Development, Regulatory Compliance, Data analytics, Consumer Risk Management to accomplish these goals.
• Assist with projects, delegated tasks and participate in committees as needed
• Assist in the day-today operation of the North America underwriting team, which includes but is not limited to: assisting underwriters in proper decisioning of accounts, providing second approvals where required by company guidelines, handling escalations from sales teams
• Providing information to the management team by gathering and summarizing data; preparing reports; making presentations of findings, analyses, and recommendations

Qualifications

You Have

• Minimum 10 years payments acquiring experience in Risk or Underwriting, ideally within a payments or e-commerce business
• Problem solving and decision-making skills with the ability to analyze complex information to identify the key issues/actions and drive to resolution
• Skilled communicator and presenter with the ability to influence and motivate others along with stakeholders. ability to establish credibility and strong partnerships with sales teams and other analytics team members
• Experience in managing change across an organization through clarity of message, command of subject matter and effective delivery
• High attention to detail and ability to multitask
• Exceptional time management skills
• Comfortable working and making impactful decisions in a fast-paced environment
• A skill for identifying the behaviors and signs of risky/fraudulent activity or applications
• Ability to make independent and sound decisions in an unstructured environment
• Ability to prioritize and execute on the highest areas of importance
• Ability to stay calm and positive when dealing with merchant and sales partners inquiries