Portfolio Risk Manager

At myPOS, we're all about helping businesses grow and get paid. We make payments simple, smart, and accessible for everyone, but we're more than just payment solutions -myPOS is a partner in growth. From free multicurrency accounts to powerful e-commerce tools, we're here to support business owners of all sizes and everyone out there who dreams of starting their own business.

Portfolio Risk Manager About the role

This role sits within the Group Risk function and is responsible for developing a data-driven view of portfolio risks that may result in financial loss to the Group.

The scope includes fraud, chargebacks, transaction risk exposures, merchant credit and performance risk (including future service / deferred delivery exposures), and other merchant-related or contractual exposures (e.g. device financing or rental arrears).

The role combines deep analytical work with cross-functional collaboration, providing insights, challenge, and recommendations and solutions to 1LOD teams, while maintaining 2LOD independence. This is a high-visibility role with direct exposure to senior leadership, offering the opportunity to help shape the Portfolio Risk function as it evolves.

What you'll do Portfolio Risk Analysis & Oversight

• Build and maintain a holistic view of loss drivers across the Group;
• Monitor key metrics across fraud, chargebacks, merchant exposures, and other loss types;
• Support the development of consistent risk measurement frameworks across entities, including EMIs;
• Collaborate with the related process owners to review procedures and risks;
• Ensure that controls are adequately designed and operating effectively to manage the portfolio risks within the assessed areas.

Fraud & Transaction Risk Insights

• Analyse fraud trends, typologies, and emerging risks;
• Provide data-driven insights and constructive challenge to 1LOD fraud strategies;
• Assess effectiveness of transaction monitoring frameworks and controls;
• Support feedback loops between observed losses and detection/prevention improvements.

Chargebacks & Loss Drivers

• Analyse chargeback trends, root causes, and recovery performance;
• Identify opportunities to reduce exposure and improve outcomes;
• Support improvements in dispute handling and loss mitigation strategies.

Merchant Credit & Future Service Risk

• Analyse exposures from merchants collecting funds ahead of service delivery (e.g. travel, events, subscriptions);
• Monitor risk concentrations across sectors and merchant segments;
• Identify early warning signals of elevated risk (e.g. merchant distress, rising disputes);
• Support the review of risk mitigation approaches such as rolling reserves, settlement structures, and exposure limits.

Broader Exposure Analysis

• Monitor additional sources of financial exposure, including device financing / rental arrears and merchant negative balances;
• Contribute to building a consistent view of all loss-generating exposures.

Data & Analytics

• Work with large datasets to identify trends, anomalies, and risk drivers;
• Develop dashboards, KPIs, and monitoring tools;
• Translate analysis into clear, actionable insights and recommendations.

Risk reduction & Process improvement

• Partner with teams across Merchant Risk, Fraud, Chargebacks, Product, Sales etc;
• Provide insights and recommendations to improve controls and reduce losses;
• Identify clear tactical and strategic solutions in collaboration with the 1st LoD and track implementation of these solutions;
• Contribute to implementation while maintaining 2LOD independence.

Governance & Reporting

• Support reporting to senior management, UK / Irish regulated entities, and Group;
• Contribute to risk committee materials and portfolio risk updates;
• Support the development of the Group loss narrative and risk appetite monitoring.

This role is perfect for you if you have

• Strong Analytical Capability;
• Experience working with data (SQL, Python, or similar strongly preferred);
• Ability to analyse complex datasets and identify meaningful insights;
• Relevant Risk Experience 3-5 years' experience in:Fraud risk / transaction risk or Payments/fintech or Acquiring/Risk analytics or consulting;
• Understanding of chargebacks and transaction flows is a strong advantage;
• Exposure to merchant or SME risk;
• Understanding of how business models impact risk exposure;
• Ability to move from data -> insight -> recommendation;
• Ability to work cross-functionally and influence discussions;
• Comfortable interacting with bothbusinessandtechnicalteams.

Nice-to-Have

• Experience in fintech, acquiring, or payment institutions;
• Exposure to merchant / credit risk concepts;
• Experience building dashboards or analytical tools.

Why you should join myPOS

• Vibrant international team operating in hi-tech environment;
• Annual salary reviews, promotions and performance bonuses;
• myPOS Academy for upskilling and training;
• Unlimited access to courses on LinkedIn Learning;
• Annual individual training and development budget;
• Refer a friend bonus as we know that working with friends is fun;
• Teambuilding, social activities and networks on a multi-national level.

Who we are

Since 2014 we've been all about making payments easier and more accessible for businesses of all shapes and sizes. Whether you're at the counter, selling online, or on themove, we've got businesses covered with smart, accessible and affordable solutions that keep things easy.

Our mission? It's simple. Help businesses get paid by taking advantage of modern tech and innovative ideas, so payment challenges are a thing of the past.

Pro tip

Take it easy about meeting every requirement -this job description is just that, a job description! Even if you don't tick every box, want you to apply anyway! This is your chance to grow, learn, and build your career with us. We value potential over perfection, and we are all about mutual growth!

myPOS is committed to providing equal employment opportunities. All qualified candidates will be considered for employment without discrimination based on age, ancestry, colour, marital status, national origin, physical or mental disability, medical condition, veteran status, race, religion, sex, sexual orientation, gender identity or expression, or any other characteristic protected by applicable laws, regulations, and ordinances.

Your application will be confidentially reviewed in line with the General Data Protection Regulation (GDPR). Personal information will be used solely for the job application and will be stored for a period needed by the application process. Only short-listed candidates will be contacted. Good luck!