Head of Credit Risk

The Company is seeking a Head of Credit Risk to take operational accountability for the end-to-end merchant credit and risk lifecycle. The role leads credit assessment and underwriting governance, merchant onboarding and due diligence, portfolio monitoring, and the management of problem accounts and losses. The successful candidate will develop risk approaches for complex, high-risk commercial sectors, oversee disputes and chargebacks, maintain audit-ready controls, and lead and develop the credit and risk operations team. They will balance sustainable commercial growth with sound credit judgment and effective risk mitigation. Candidates should bring substantial hands-on credit underwriting and operational risk leadership experience in merchant acquiring, payments, business banking, or fintech. Strong skills in analyzing commercial financial statements, trading models, and settlement exposures are required, along with knowledge of merchant acquiring, card-scheme rules, disputes, chargebacks, and AML/KYC controls. Experience with forward-delivery exposure, deferred settlements, and high-risk or volatile sectors is valuable. The role also calls for pragmatic decision-making, commercial acumen, and the ability to remain operationally involved while coaching a team.