Merchant Risk Manager

Roles & Responsibilities:

Oversee the chargeback, refund, fraud, and underwriting functions, managing team performance, workflows, and development to ensure operational efficiency.

Ensure merchant risk policies are effectively implemented, regularly reviewed, and aligned with group standards and regulatory requirements.

Supervise risk system functionalities, drive improvements based on business needs, and ensure proper controls, including collateral handling and reconciliation.

Monitor the overall health of the merchant portfolio, prepare regular exposure and risk reports, and highlight key trends to internal and Group-level stakeholders.

Act as a subject matter expert by advising the Group CRO, CEO, and senior leadership on merchant risk issues and strategic initiatives.

Build and maintain strong relationships with acquiring banks, card schemes, and regulators to stay current with industry updates and compliance expectations.

Continuously identify and implement process improvements to support business scalability, operational excellence, and enhanced risk evaluation frameworks.

Requirements:

Possess a Bachelor's Degree in Risk Management, Banking & Finance, Business Administration, Economics or a related field.

Possess at least 8 years of experience in risk-related roles, including a minimum of 5 years in a relevant management position, preferably in a financial institution or payment industry-related organization.

Demonstrated expertise in card payment dispute resolution, transactional fraud detection, merchant risk evaluation, merchant onboarding, and customer due diligence (CDD).

Strong knowledge of Know Your Customer (KYC) practices and regulatory requirements in Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT).

Experience in analyzing risk data and generating insights using tools such as Power BI or other business intelligence platforms.

Familiarity with the credit and debit card ecosystem, and hands-on experience interacting with merchants, acquirers, and financial institutions.

Demonstrated ability to interpret and consolidate complex business information to identify and mitigate risk issues.

We are an Equal Opportunity Employer. Our recruitment philosophy is to recruit people with whom we can build a strong, mutually beneficial and lasting relationship. We welcome applicants from all backgrounds and identities, irrespective of race, religion, ethnicity, gender or disability.