Head of Global Merchant Risk

8+ years in an operational risk or credit leadership role within Fintech or high-volume payments.

Experience managing global, multi-region teams is preferred but not essential.

Deep understanding of the merchant lifecycle, bankruptcy risk, and the mechanics of lending/charge cards.

Excellent Communication: Ability to translate complex operational risks into clear, concise proposals for executive committees.

You don't just follow the policy—you identify when the policy is outdated and have the data-backed confidence to propose a better way forward.

The Head of Merchant Risk is a pivotal global leadership position within Adyen’s Operations function. While our Second Line defines the boundaries and Product builds the tools, Merchant Risk owns the execution. You are responsible for the day-to-day management of Adyen’s counterparty exposure originating from credit risk and chargeback risk. As the chair of the Merchant Risk Committee (MRC) and a member of the Risk Committee (RC), you are the operational voice that bridges the gap between commercial ambition and financial prudence.

Global Leadership: Lead and scale a high-performing global team across Amsterdam, Singapore and Chicago. You will ensure consistency in decision-making while accounting for regional market differences.

Operational Risk Ownership: Oversee the daily monitoring and manual review of high-exposure merchants within the MPL (Merchant Potential Liability) and Credit Risk (Adyen Capital/Charge Cards) frameworks.

High-Stakes Decisioning: Act as the final operational escalation point for "edge case" approvals. You will ensure your teams are prepared and ready to present formal proposals for high-risk merchant decisions to the Merchant Risk Committee (MRC).

Strategic Influence: While Product owns the models and Second Line owns the appetite, you are the primary feedback loop. You will use operational data to influence and propose changes to Credit Models, Risk Policies, and Risk Appetite.