Head of Credit Risk Operations, Europe

  • Dublin, Ireland
  • Full-time

Company Description

We believe everyone should be able to participate and thrive in the economy, so we’re building tools that make commerce easier and more accessible to all. We started in San Francisco in 2009 with a little white credit card reader and we now serve millions of businesses around the world. We came to the UK in 2017, our fifth global market, and provide hardware and software solutions that help sellers of all sizes start, run and grow their business. We’re empowering SMEs across the UK to take card payments wherever their customers are - in person, by invoice, over the phone or online. Our Square Reader and Square Stand help our sellers accept Chip & PIN and Contactless payments quickly, easily and affordably. Our Cash app lets people pay each other back instantly. We’re shortening the distance between having an idea and making a living from it—and helping them grow their business is good business for everyone.

Job Description

Square is seeking a highly seasoned Risk Manager to join our dynamic Risk Operations team in Dublin. In this role, you will drive risk strategy within the European market across multiple products and teams. This position will work closely with senior internal executives and external stakeholders. You will be responsible for delivering insights that inform credit management strategies and drive payments volume growth within the credit risk appetite in EMEA. This position relies on sound judgment to plan and accomplish goals to drive credit risk strategy.

Importantly, this role will represent the team as a member of Squares high impact cross-functional Risk teams that support initiatives for both existing and emerging payment products. This position requires an in-depth understanding of the principles of both account and portfolio level credit risk management. You must have a strong aptitude for working in partnership at all levels of an organization and for building strong relationships both internally and externally (including vendors, networks, government agencies, and regulators).

You will:

  • Work closely with senior leadership in the Americas and APAC regions to set, assess, and refine a unified credit risk strategy, which you will apply in the European market

  • Build and own risk relationships with European payment partners, regulators, government agencies, and vendors, in conjunction with Risk Partnerships stakeholders in San Francisco

  • Partner with business development teams to provide guidance and education for safely growing Squares portfolio of merchants from a credit risk perspective. Work directly with business partners to onboard complex risk sellers, and ensure adequate processes are in place for ongoing monitoring of credit risk across the European base of merchants.

  • Serve as the key subject matter expert in European credit risk across the company and/or with external partners; think through 'big picture' implications for stakeholders and evaluate trade-offs and interests of multiple stakeholders

  • Be persuasive at all levels of communication, including board members and senior-level executives

  • Identify and prioritise gaps in current systems, policies, and strategies and take action to mitigate emerging credit risk trends

  • Create an environment where Squares are motivated, performing their best and constantly growing and provide direction to multiple teams and foster collaboration between teams


You have:

  • Bachelors Degree (Masters preferred) in Business Administration, Law, Commerce, Finance or a related field and 8+ years risk management experience with traditional and alternative payment methods

  • Experience managing non-fraud/credit risk within payments, and a working understanding of chargebacks and collections

  • Strong existing relationships in the fraud and risk space with proven results in driving down risk loss through innovation, strategic change or methodologies

  • Ability to analyze large transactional datasets, interpret ambiguous situations, and make decisions under pressure

  • Extensive knowledge in card-not-present fraud schemes and risk prevention methods and detection tools for digital, virtual and physical goods

  • Deep understanding of the online payments landscape across all participants issuer, merchant, acquirer and network

  • Strong leadership experience growing and developing high impact teams

  • Excellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action


Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at)squareup.com. We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.

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