Risk Analytics Manager

About the company

Founders today are building global companies from day one — but the systems that manage their money were built for a different era. Aspire exists to change that! We’re building the financial operating system for global founders, bringing banking, software, and automation into a single platform so businesses can move faster across borders and stay focused on building. Aspire is built by people who think from first principles, care deeply about solving hard problems, and take real ownership of their work. Our team brings global experience from leading fintech and technology companies, and many of us are former founders and operators who understand what it takes to build thoughtfully, make trade-offs, and deliver at scale in a global environment. Backed by leading global investors including Y Combinator, Peak XV, and Lightspeed, Aspire has been trusted by more than 50,000 startups and growing businesses worldwide to manage their finances since 2018. Together with partners like J.P. Morgan, Visa, and Wise, we’re building for the next generation of global companies.

About the role

As Risk Analytics Manager, you will own and operate Aspire's risk management framework, providing analytical insights into financial, operational, and regulatory risks. This is a foundational role in a fast-growing, FCA-regulated fintech - you will help build the risk function from the ground up and play a central role in ensuring Aspire UK & Aspire Group operate within its risk appetite as it scales. You will report to the COO and work closely with the Data, Risk, Compliance, & operational teams.

• Analyse, quantify, & surface risk exposure across the company.
• Collaborate with CxOs, product, data teams to suggest & align on risk priorities.
• Develop detailed project plans to address core financial risks, including scope, timelines, budgets, resource allocation, and risk mitigation strategies.
• Manage project execution hands on, ensuring on-time and within-budget delivery.
• Get staffed on key strategic projects across Aspire, with a focus on risk management — defining the problem set, diagnosing challenges, identifying opportunities, and driving implementation.
• As one of the first projects, set up the reconciliation framework for European markets as a key responsibility, ensuring accuracy, timeliness, and control effectiveness across European entities and partner banks.
• Communicate project status, risk exposure, and control updates to stakeholders regularly.
• Build and maintain strong relationships with cross-functional teams, including technology, product, compliance, risk, and finance.
• Identify improvement opportunities into our risk rating frameworks.
• Be the PIC on UK & Europe overall risks topics.

Required Qualifications

• Minimum 5 years of risk management experience within financial services, with direct experience in banking, payments, e-money, or fintech strongly preferred.
• Strong data management & analytical skills. Proficiency in Python, SQL, and relevant data tools.
• Ability to build a vision and action plan, then execute it effectively and independently, rallying other leaders to the cause.
• Basic understanding of FCA regulatory expectations for EMIs, including SYSC, operational resilience, and outsourcing risk.
• Strong communication and stakeholder management skills, with the ability to work effectively with senior leadership.

Preferred Qualifications

• Fintech experience, ideally with exposure to reconciliation processes across European markets.
• Familiarity with finance, treasury, and/or data science models.
• Familiarity with risk management & control.
• Strong bias toward solving organizational challenges, with a genuine love of problem-solving.