Head of Risk

Role Overview

• Define and maintain a practical, business-oriented Risk Management Framework that fits a fast-moving payment environment.
• Monitor and report on the company’s overall risk exposure, ensuring alignment with our strategic goals and regulatory expectations.
• Identify, assess, and manage key risks across acquiring, issuing, transaction processing, and merchant activities.
• Oversee operational, financial, and partner risks, including relationships with acquirers, processors, and scheme partners.
• Collaborate closely with Compliance to ensure regulatory alignment in both Luxembourg and Switzerland.
• Build clear and actionable risk reporting for management, Board, and regulators.
• Use data to identify emerging risks, trends, and potential weaknesses in our operations or partner ecosystem.
• Drive continuous improvement in how risk is managed — embedding it into daily decision-making and product development.
• Lead, coach, and develop a small but highly capable Risk team, promoting ownership and accountability.
• Support internal and external audits, ensuring that our controls and documentation stand up to scrutiny without unnecessary bureaucracy.

Requirements

• A minimum of 5 years’ experience in risk management in the financial sector is required.
• Strong understanding of risk types relevant to a payment provider: transaction, fraud, operational, partner, and liquidity risk.
• Familiarity with regulatory environments such as CSSF (Luxembourg) and/or FINMA (Switzerland), as well as card scheme expectations (Visa, Mastercard).
• Proven ability to build or scale a risk function — you’ve done it before or contributed significantly to it.
• Analytical mindset with a data-driven approach; you’re comfortable turning complex data into actionable insights.
• Excellent communication skills — able to work cross-functionally and make risk topics accessible to non-specialists.
• Pragmatic, proactive, and collaborative: you see risk as a business partner, not a control tower.
• Hands-on mentality with a strong sense of ownership and curiosity to learn new things.
• Fluent in English and German.
• Willingness to travel occasionally between Luxembourg, Switzerland, and partner sites.

Benefits

• A key leadership role in a fast-growing international company shaping the future of payments.
• Freedom to build and lead your function your way with direct access to decision-makers.
• A lean, dynamic environment with short communication lines and no corporate politics.
• Competitive compensation and benefits package.
• Hybrid work setup and flexible working hours.
• Opportunities to grow professionally and personally in a high-impact, cross-functional environment.