Risk Manager/Strategist

Checkout.com; City Of London; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A leading fintech company in London is seeking a Manager of Risk Strategy & Analytics who will design and implement risk decisioning frameworks, focusing on Credit and Fraud Risk. The ideal candidate has 6-8 years of experience in Risk Management and a strong background in data analysis and decision engines. This role offers the opportunity to work in a fast-paced environment with a hybrid work model.

Benefits

Hybrid working model

Career development opportunities

Qualifications

• Minimum 6-8 years of experience in Risk Management, specifically within Fintech, Lending, or Payments.
• Proven record of building risk infrastructures or overhauling legacy systems.
• Comfortable with data analysis and deploying rules into decision engines.

Responsibilities

• Design, build, and optimize predictive models for Merchant Credit and Fraud Risk.
• Lead vendor management of third-party risk vendors and data sources.
• Monitor model performance and portfolio health.

Skills

Risk Management

Data Analysis

SQL

Python

Fraud Risk Detection

Credit Risk Management

Job description

Company Description

We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen.

Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why.

With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance‑obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career‑defining opportunity to build the future of fintech.

Job Description

We are looking for a Manager of Risk Strategy & Analytics who is not just looking to turn the handle on an existing machine, but wants to build the engine itself.

You are a Risk Strategist at heart with the technical capability to build models and the operational savvy to implement them. You will own the design and execution of large‑scale risk decisioning frameworks, specifically focusing on Credit Risk and Fraud Risk detection.

This is a high‑impact role for a builder, someone who thrives in a fast‑paced Fintech environment and wants to transition manual processes into automated decisioning systems. You will play a pivotal role in defining our risk appetite, managing the entire customer lifecycle (from onboarding to ongoing monitoring), and selecting the right third‑party data partners to fuel our growth.

Key Responsibilities

• Risk Strategy & Modeling: Design, build, and optimize predictive models for both Merchant Credit Risk and Merchant Fraud Detection.
• Automated Decisioning: Design data driven large‑scale automated risk decisioning workflows.
• <>Vendor Management: Lead the evaluation, integration, and management of third‑party risk vendors and data sources. You will act as the primary strategist for utilizing these tools effectively.
• Cross‑Functional Leadership: Work closely with Engineering, Product and other Risk teams to translate risk policies into code and production‑ready logic.
• Performance Monitoring: Establish robust reporting and feedback loops to monitor model performance and portfolio health, rapidly iterating strategies based on real‑time data.

About You

You are a technical risk manager who understands data structures and decision engines. You have likely worked in a high‑growth Fintech or Payments environment where you had to scale operations through technology.

Required Qualifications

• Experience: Minimum of 6‑8 years of experience in Risk Management, specifically within Fintech, Lending, or Payments.
• Builder Mindset: Proven track record of building risk infrastructures from scratch or significantly overhauling legacy systems. You are comfortable navigating ambiguity and creating structure.
• Technical Expertise: Strong proficiency in building logic and models. You should be comfortable with data analysis (SQL, Python, or R) and understand how to deploy rules into decision engines.
• Domain Knowledge: Deep understanding of both Credit and Fraud risk typologies. Experience managing both onboarding risk and portfolio risk at scale.
• Vendor Ecosystem: Familiarity with the landscape of third‑party risk data providers (identity verification, bureau data, fraud signals).

Preferred Qualifications

• Payments: Direct experience dealing with payment processing risk or complex funds flow.
• US Market Expertise: Specific regulatory and data vendor knowledge regarding the US financial landscape.
• Start‑up/Scale‑up Experience: You have thrived in an environment where speed of execution is critical.

Bring all of you to work

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram.