Director of Payments and Risk Operations

Own the full payments operations lifecycle for an embedded fintech platform—merchant onboarding, underwriting, transaction monitoring, disputes, and escalation handling. Define and drive portfolio KPIs like approval rates, loss rates, dispute win rates, time-to-decision, and cost per account. Build real-time reporting infrastructure (dashboards, data pipelines, scorecards), partner with Stripe and internal teams, and lead a shift from manual processes to AI-assisted decisioning while maintaining controls and compliance.