At a Glance
- Tasks: Lead risk strategy and ensure compliance in the dynamic payments industry.
- Company: Join a global leader in payments and shape the future of commerce.
- Benefits: Competitive salary, career growth opportunities, and a chance to make an impact.
- Other info: Collaborative environment with a focus on data-driven decision making.
- Why this job: Be at the forefront of risk management and drive innovative solutions.
- Qualifications: Experience in risk management, compliance, and team leadership required.
The predicted salary is between 60000 - 80000 £ per year.
Ready to take your career global?
Make your mark at one of the biggest names in payments.
We’re looking for an experienced Head of Merchant Risk ‑ Europe to join our ever‑evolving team and help shape the future of global commerce.
The Head or Merchant Risk – Europe is responsible for end‑to‑end regional risk ownership including onboarding, merchant fraud and ongoing monitoring.
This role is the single point of accountability to support business priorities and facilitates proactive risk leadership embedded with regional P&L owners.
Responsibilities
- Leads Strategy Development: Defines and optimizes credit policies, decision rules, and underwriting criteria for account acquisitions, portfolio management, and line management.
- Risk Appetite Definition: Establishes the \"credit box\" in collaboration with business leaders (GMs), Finance, and second line risk teams.
- Governance & Compliance: Oversees risk governance frameworks, ensuring policies meet regulatory requirements (e. g., consumer credit laws) and audit standards.
- Performance Monitoring: Analyzes portfolio data to identify trends, evaluate strategy performance, and adjusts tactics to mitigate risk while encouraging growth.
- Project Management: Drives end‑to‑end strategic initiatives, including testing and launching new risk capabilities.
- What You’ll Bring
- Technical Skills
- Knowledge of underwriting, account fraud detection, and merchant lifecycle risk assessment.
- Knowledge of regulations and compliance standards governing KYC, AML, and high‑risk merchant oversight.
- Experience with risk engines, decisioning platforms, workflow automation and integrated platform risk architecture.
- Management Skills
- Skilled in leading teams on scalable risk operating models, governance frameworks, and policy structures across platforms, cross‑functional and collaborative.
- Demonstrates the ability to influence senior stakeholders and business partners.
- Experience managing teams on complex vendor ecosystems, risk partners, fraud tools, and technology platforms.
- Mindset and Behaviors
- Data‑driven and analytical, making decisions rooted in insights, modeling, and predictive indicators.
- Strategic and innovative, exploring new technologies, automation, and analytics to elevate performance.
- Collaborative and solutions‑oriented, driving alignment across functions to support safe, scalable business expansion.
- #J-18808-Ljbffr
Head of Merchant Risk - Europe in London employer: Global Payments Inc.
Join a leading global payments company that prioritises employee growth and development, offering first-class training to ensure your success in the field. With a dynamic work culture that fosters collaboration and innovation, you'll have the opportunity to build meaningful relationships while exceeding sales targets and earning a competitive income. Located in Stockport, our inclusive team is dedicated to empowering each other and driving excellence in the ever-evolving world of commerce.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Merchant Risk - Europe in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Global Payments Inc.. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Head of Merchant Risk - Europe in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Global Payments Inc..
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Global Payments Inc.'s website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Global Payments Inc.
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Global Payments Inc..
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Global Payments Inc. will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Global Payments Inc. employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
