Head of Risk

Summary The Head of Risk is a leadership role responsible for designing, executing, and continuously improving the organisation’s end-to-end risk management framework. This includes oversight of risk strategy, portfolio risk assessment, merchant and transactional monitoring, fraud prevention, and financial crime mitigation. The role ensures that all risks—financial, operational, fraud, credit, regulatory, reputational, and business—are identified, assessed, monitored, and effectively managed in alignment with the company’s risk appetite. The Head of Risk combines strategic vision with hands-on execution, leveraging data insights, advanced analytics, and sound judgment to support business growth while safeguarding the organisation from losses. This role collaborates closely with senior leadership, first- and second-line teams, and cross-functional departments to ensure the risk agenda is deeply embedded into day-to-day operations, commercial decisions, and long-term business strategy. Key Responsibilities Risk Strategy & Portfolio Oversight Develop, maintain, and enhance a robust risk management framework Identify and assess risks at portfolio and merchant levels, ensuring ongoing relevance of controls and policies. Monitor overall risk exposure and ensure risk levels remain within approved thresholds and appetite. Provide data-driven insights and forecasting to executive leadership on emerging risks, portfolio health, and potential future challenges. Onboarding, Risk Moni