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About the Role

Trustly is seeking a portfolio risk leader to manage the balance between risk and revenue across business domains, transforming risk management into a growth driver. This role partners with commercial and customer service teams, and oversees segment risk management, customer-facing risk solutions consulting, and risk operations and compliance. You will collaborate with Risk Data Science, Risk Product, and Risk Engineering, and serve as the senior risk voice for the executive team and key clients.

Responsibilities

Own consumer transaction loss, merchant credit exposure, and approval rates across customer segments.
Balance approval rates against loss, informed by loss attribution.
Manage change control for decision sets, including rules, thresholds, score cutoffs, and non-standard deal terms, quantifying their impact before launch.
Define eligibility and economics for guarantee tiers.
Monitor return performance against network rules and internal limits for various return reasons.
Own rules and thresholds across segments, including per-merchant risk settings.
Set and document merchant underwriting criteria, including onboarding, KYB standards, risk tiering, monitoring triggers, and offboarding.
Establish the merchant approval authority framework in partnership with Finance and Commercial.
Direct incident response for major risk events, escalating to Legal, Commercial, and banking partners.
Set risk appetite and pre-authorization requirements early in deal negotiations.
Present risk positions and trade-offs on complex deals, including approval rate and expected loss.
Own risk inputs into pricing, including expected loss by customer, guarantee tier recommendations, and terms for non-standard deals.
Partner with Customer Success to integrate risk perspectives into customer meetings and reviews.
Provide regular risk reporting and propose remediation for performance drifts.
Act as the executive-level contact for customer risk relationships.
Build and develop the team across segment risk management, customer-facing risk solutions consulting, and risk operations and compliance.
Manage end-to-end risk execution, including underwriting operations, decision queues, representment, recovery, collections, and first-line compliance.
Set the agenda for the Risk Committee and present performance, emerging risks, and proposed changes to stakeholders.
Collaborate with Risk Data Science on rule implementation and with Risk Product and Engineering on engine requirements.

Requirements

12+ years in payments, lending, or banking risk, with at least 5 years leading teams across multiple functions.
Proven ownership of a loss budget and approval rate target, with a track record of improving approval rates while maintaining loss targets.
Direct experience setting rules and thresholds in a real-time, score-driven decisioning environment.
In-depth knowledge of merchant underwriting, including KYB, beneficial ownership, financial statement review, exposure modeling, and industry risk.
Experience overseeing large-scale risk operations, including service level agreements for decision queues and first-line controls.
Experience presenting and defending risk positions to customer executives and internal executive teams, including risk terms within commercial deals.
Experience establishing or rebuilding a risk function, including team hiring.

Skills

Risk Management
Portfolio Risk
Loss Attribution
Approval Rate Optimization
Rule Setting
Threshold Management
Scorecard Implementation
Merchant Underwriting
KYB
Financial Statement Review
Exposure Modeling
Risk Operations
Controls Testing
Executive Communication
Team Leadership
ACH
EFT
Gaming
Telco
Utilities
Insurance
Financial Services
Collections
Recovery
Representment
Model Risk Governance
Independent Validation
ODFI
Payment Processing

Location

San Francisco
New York

Work Type

Hybrid

Experience Level

Senior Director
12+ years experience
5+ years leadership experience

Education Level

Bachelor's degree in economics, statistics, mathematics, engineering, finance or a related field
MBA or graduate degree in a quantitative discipline is a plus

Benefits

Flexible paid time off
Generous PTO accrual plans
Comprehensive medical, dental, vision, and other insurances
FSA & HSA plans for medical and dependent care
Home office set-up allowance
Internet stipend
Retirement plan match for 401k and RRSP
Gender-neutral paid parental leave

About the Company

Trustly is building a smarter, faster, and more secure financial future by revolutionizing payments.
We are a global leader in Open Banking Payments, establishing Pay by Bank as the new standard at checkout.
Our ambition is to build the world’s most disruptive payment network and redefine the payment experience.
Trustly is a global team of innovators, collaborators, and doers operating in a dynamic, entrepreneurial, and high-growth environment.
The Data team is the backbone of decision-making and product innovation, processing millions of transactions in real time.
We operate at the intersection of high-scale engineering and deep financial intelligence.
Our culture emphasizes intellectual curiosity, technical excellence, and extreme ownership.

Equal Opportunity

Trustly embraces and celebrates diversity of all forms.
We are proud and committed to being an Equal Opportunity Employer.
We believe an open and inclusive environment enables people to do their best work.
All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.