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For Companies At a Glance
- Tasks: Lead and evolve Ryft’s risk management framework while collaborating across teams.
- Company: Join Ryft, a fast-growing FCA-regulated payment facilitator backed by top investors.
- Benefits: Enjoy hybrid working, flexible hours, 25 days holiday, and meaningful equity options.
- Why this job: Shape the future of payments in a dynamic fintech environment with a strong team culture.
- Qualifications: 4+ years in risk management, preferably in fintech, with strong analytical skills.
- Other info: Experience with fraud tooling or data analysis is a plus.
The predicted salary is between 43200 - 72000 £ per year.
Job Description
Ryft is a rapidly growing, FCA-regulated payment facilitator that enables platforms and marketplaces to seamlessly onboard merchants and process payments with compliance built in. Backed by leading investors and fresh from our Series A raise, we're scaling fast and looking for ambitious talent to join the journey.
The Role
We're looking for a Risk Manager to own and evolve Ryft’s risk management framework. You’ll play a critical role in protecting the business from operational, financial, and compliance risks while enabling us to scale with confidence. You'll work cross-functionally with compliance, underwriting, product, and engineering to ensure risk is well-managed without becoming a blocker to growth.
Key Responsibilities
- Develop and maintain Ryft’s risk management policies, frameworks, and procedures
- Manage an underwriting, compliance and operations team
- Own the enterprise risk register and drive regular reviews across all departments
- Monitor and assess financial risk exposures (e.g. fraud, chargebacks, credit, merchant behaviour)
- Help underwriting to assess and manage merchant risk profiles
- Liaise with payment partners, acquirers, and regulators on risk matters
- Proactively identify new and emerging risks from business operations, markets, and partners
- Lead risk incident response and post-mortem processes
- Deliver regular risk reporting to the leadership team and board
- Contribute to the enhancement of controls through automation and tooling
- Support audit and regulatory engagements related to risk
Requirements
- 4+ years of experience in risk management, preferably in a fintech, payments, or regulated financial institution
- Solid understanding of financial risk, operational risk, and regulatory requirements (FCA, PSD2, AML)
- Experience working with acquirers, schemes, or payment service providers
- Strong analytical and problem-solving skills
- Excellent communication and stakeholder management abilities
- Ability to work in a fast-paced, scale-up environment
- Nice to have: Experience with fraud tooling, transaction monitoring, or data analysis (e.g., SQL)
What We Offer
- A chance to shape the future of payments at a high-growth fintech
- Meaningful equity options
- Hybrid working with flexible hours
- 25 days holiday + bank holidays
- Learning & development budget
- Regular team socials and offsites
Operational Risk Manager employer: Ryft
Contact Detail:
Ryft Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Operational Risk Manager
✨Tip Number 1
Familiarise yourself with the FCA regulations and compliance requirements relevant to the fintech sector. Understanding these will not only help you in interviews but also demonstrate your commitment to the role.
✨Tip Number 2
Network with professionals in the fintech and payments industry. Attend relevant events or webinars to connect with others who may provide insights or even referrals for the Operational Risk Manager position.
✨Tip Number 3
Brush up on your analytical skills, especially in areas like fraud detection and risk assessment. Being able to discuss specific tools or methodologies you've used in the past can set you apart from other candidates.
✨Tip Number 4
Prepare to discuss how you've successfully managed cross-functional teams in previous roles. Highlighting your experience in collaborating with compliance, underwriting, and engineering will show that you're ready to take on the challenges of this position.
We think you need these skills to ace Operational Risk Manager
Some tips for your application 🫡
Understand the Role: Before applying, make sure to thoroughly understand the responsibilities and requirements of the Operational Risk Manager position at Ryft. Tailor your application to highlight relevant experience in risk management, particularly in fintech or regulated financial institutions.
Highlight Relevant Experience: In your CV and cover letter, emphasise your 4+ years of experience in risk management. Be specific about your understanding of financial and operational risks, as well as any experience with FCA regulations, PSD2, or AML compliance.
Showcase Analytical Skills: Demonstrate your strong analytical and problem-solving skills in your application. Provide examples of how you've successfully identified and managed risks in previous roles, especially in fast-paced environments.
Tailor Your Communication: Since excellent communication and stakeholder management abilities are crucial for this role, ensure your application reflects your ability to communicate complex risk concepts clearly. Use concise language and structure your application logically to make it easy for the hiring team to follow.
How to prepare for a job interview at Ryft
✨Understand the Risk Landscape
Familiarise yourself with the key risks associated with fintech and payment facilitation. Be prepared to discuss how you would identify and manage operational, financial, and compliance risks specific to Ryft's business model.
✨Showcase Your Analytical Skills
Highlight your experience with data analysis and risk assessment tools. Be ready to provide examples of how you've used analytical skills to mitigate risks in previous roles, especially in a fast-paced environment.
✨Communicate Effectively
Demonstrate your communication skills by articulating complex risk concepts clearly. Prepare to discuss how you would engage with cross-functional teams and stakeholders to ensure effective risk management without hindering growth.
✨Prepare for Scenario-Based Questions
Anticipate questions that require you to think on your feet. Practice responding to hypothetical scenarios related to risk incidents or emerging risks, showcasing your problem-solving abilities and strategic thinking.