Finance/Credit Model Risk Manager
AffirmSalary not specified
Full Time
Senior (5 to 8 years), Expert & Leadership (9+ years)
Not SpecifiedCompensation
Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, PaymentsIndustries
Requirements
- Minimum of 6–8 years of experience in Risk Management, specifically within Fintech, Lending, or Payments
- Proven track record of building risk infrastructures from scratch or significantly overhauling legacy systems; comfortable navigating ambiguity and creating structure (Builder Mindset)
- Strong proficiency in building logic and models; comfortable with data analysis (SQL, Python, or R) and deploying rules into decision engines (Technical Expertise)
- Deep understanding of both Credit and Fraud risk typologies; experience managing both onboarding risk and portfolio risk at scale (Domain Knowledge)
- Familiarity with the landscape of third-party risk data providers (identity verification, bureau data, fraud signals) (Vendor Ecosystem)
- Technical risk manager who understands data structures and decision engines
- Likely worked in a high-growth Fintech or Payments environment where scaling operations through technology was required
- Preferred Qualifications
- Direct experience dealing with payment processing risk or complex funds flow (Payments)
- Specific regulatory and data vendor knowledge regarding the US financial landscape (US Market Expertise)
- Experience thriving in a start-up/scale-up environment where speed of execution is critical
Responsibilities
- Design, build, and optimize predictive models for both Merchant Credit Risk and Merchant Fraud Detection (Risk Strategy & Modeling)
- Design data-driven large-scale automated risk decisioning workflows (Automated Decisioning)
- Lead the evaluation, integration, and management of third-party risk vendors and data sources; act as the primary strategist for utilizing these tools effectively (Vendor Management)
- Work closely with Engineering, Product, and other Risk teams to translate risk policies into code and production-ready logic (Cross-Functional Leadership)
- Establish robust reporting and feedback loops to monitor model performance and portfolio health, rapidly iterating strategies based on real-time data (Performance Monitoring)
- Own the design and execution of large-scale risk decisioning frameworks, focusing on Credit Risk and Fraud Risk detection
- Define risk appetite and manage the entire customer lifecycle (from onboarding to ongoing monitoring)
- Select the right third-party data partners to fuel growth
Skills
Key technologies and capabilities for this role
Questions & Answers
Common questions about this position
What experience is required for the Risk Manager/Strategist role?
Minimum of 6–8 years of experience in Risk Management, specifically within Fintech, Lending, or Payments is required, along with a proven track record of building risk infrastructures from scratch or significantly overhauling legacy systems.
What are the key responsibilities of this position?
Key responsibilities include designing and building predictive models for Merchant Credit Risk and Fraud Detection, creating automated decisioning workflows, managing third-party risk vendors, leading cross-functional efforts, and monitoring performance.
What is the salary or compensation for this role?
This information is not specified in the job description.
Is this a remote position or does it require office work?
This information is not specified in the job description.
What kind of company culture can I expect at Checkout.com?
The culture is fast-moving, performance-obsessed, and driven by being better every day, with a global team across 19 offices who thrive in a high-growth Fintech environment.
Checkout.com
High-performance payments platform for enterprises
About Checkout.com
Checkout.com provides a payments platform that helps businesses process payments, send payouts, and manage card programs. The platform is designed for large enterprises and growing businesses, allowing them to handle high volumes of transactions quickly and reliably. It integrates with clients' existing systems and offers a range of payment services, generating revenue through transaction fees and subscriptions. Unlike many competitors, Checkout.com focuses on providing a comprehensive, cloud-based solution that supports the financial operations of its clients across the globe. The goal of Checkout.com is to streamline payment processes and enhance the payment experience for both businesses and their customers.
London, United KingdomHeadquarters
2012Year Founded
$1,780.1MTotal Funding
SERIES_DCompany Stage
Fintech, Financial ServicesIndustries
1,001-5,000Employees
Benefits
Work-life balance - Flexible working and plenty of time off to unwind. We’ll even give you your birthday off.
Recognition - Peer recognition program and quarterly Hero Awards. We celebrate success together.
Career development - Tailored career development and learning pathways. We’ll help you unlock your potential.
Celebrating diversity - Internal community groups and cultural events. We celebrate our differences.
Staying healthy - A global wellness programme and private health insurance. We support your wellbeing.
Security for the future - Comprehensive plans for you and your loved ones. We’ll take care of you.
Giving back - Employee-led community outreach, payroll giving and a volunteering day. We care about your causes.
Risks
Checkout.com faces increased competition from emerging fintech startups.
Economic instability in the UK and EU may impact Checkout.com's revenue.
Regulatory scrutiny on data privacy could increase compliance costs.
Differentiation
Checkout.com offers payments in over 150 currencies with in-country acquiring.
The platform integrates fraud filters and reporting through a single API.
Checkout.com supports major international cards and local payment methods.
Upsides
Checkout.com is expanding in Japan, enhancing its global presence.
The partnership with Zing increases digital payment methods and product growth.
Checkout.com launched Octopus for online payments, a first for global PSPs.
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