Head of Credit & Risk — Growth‑Focused Fintech Leader

Morgan McKinley; Sydney; On-site; AUD 230,000 - 360,000; Full time

Job summary

Morgan McKinley in Sydney, Australia, seeks a Head of Credit and Risk to own the end-to-end merchant credit lifecycle, including onboarding, underwriting, portfolio monitoring and loss mitigation, in a high-growth fintech environment.

Reporting to the CEO, this leadership role balances rigorous credit judgement with commercial growth, mentoring a team across risk, operations, and finance while collaborating with sales and product teams.

Qualifications

• Industry & risk leadership experience in merchant acquiring, payments, business banking or fintech.
• Financial analysis of statements, trading models and contingent liabilities for complex SMEs.
• Knowledge of merchant acquiring lifecycles, card-scheme rules, disputes and AML/KYC onboarding controls.
• Experience with risk in high-risk sectors (e.g., travel) and exposure mitigation techniques.
• Pragmatic leadership with willingness to coach a team while staying hands-on.

Responsibilities

• Lead end-to-end merchant credit assessment framework and governance.
• Oversee merchant onboarding, AML/KYC and due diligence processes.
• Monitor portfolio and implement early warning, remediation, and loss mitigation strategies.
• Develop sector-specific credit propositions to mitigate exposures in high-risk segments.
• Manage disputes, controls and lead the Credit & Risk team.

Skills

Credit underwriting

Risk leadership

Portfolio monitoring

AML/KYC operations

Job description

Morgan McKinley in Sydney, Australia, seeks a Head of Credit and Risk to own the end-to-end merchant credit lifecycle, including onboarding, underwriting, portfolio monitoring and loss mitigation, in a high-growth fintech environment.

Reporting to the CEO, this leadership role balances rigorous credit judgement with commercial growth, mentoring a team across risk, operations, and finance while collaborating with sales and product teams.