Head of Merchant Risk - Europe

Own end-to-end regional merchant risk for Europe, including onboarding, merchant fraud, and ongoing monitoring. Define credit policies and underwriting criteria, set the “credit box” with business, Finance, and second-line risk teams, and ensure governance and compliance against regulatory and audit standards. Monitor portfolio performance using portfolio data and adjust tactics to balance risk mitigation with growth. Lead strategic risk initiatives, including testing and launching new risk capabilities.