At Pockyt, we believe seamless access to global commerce is vital for every business and individual. However, today’s payment infrastructure struggles to keep pace with the rapid evolution of emerging markets and Web3 economies. Digital wallets, super apps, and real-time payments are reshaping how people transact, yet fragmentation continues to hinder cross-border growth.

Pockyt is transforming this landscape. We’re creating a two-sided payments infrastructure that streamlines transactions, supports diverse payment methods, and empowers businesses to transact effortlessly across borders. Trusted by over 2000 global customers and 1 million users, Pockyt is the market leader in alternative payments, equipping merchants with the tools to thrive in an increasingly connected world.

About this Role

We are seeking a highly skilled and experienced Risk Officer to oversee and mitigate risks associated with our payment acceptance and payout products, with a specific focus on merchant credit risk prevention. Reporting directly to the CEO, the ideal candidate will possess deep expertise in the payments industry, exceptional analytical skills, and a proven ability to design and execute effective risk management strategies. This role also includes driving AI and automation initiatives as the ultimate goal, collaborating with our Product and AI teams to build scalable, data-driven solutions for risk management.

This is a strategic yet hands-on role that requires leadership in aligning risk management practices with the company’s broader innovation and automation goals.

Key Responsibilities

Risk Management and Assessment:

• Identify, assess, and monitor risks, with a primary focus on merchant credit risk and overall payment-related risks.
• Develop and implement comprehensive risk management policies, procedures, and controls to address credit risks, fraud, and operational vulnerabilities.
• Conduct regular risk assessments to evaluate and enhance existing systems and processes.

Merchant Credit Risk Prevention:

• Design frameworks to evaluate and monitor merchant creditworthiness, ensuring proactive mitigation of potential defaults.
• Collaborate with the Finance and Data Science teams to develop credit risk models, thresholds, and monitoring tools.
• Build scalable systems to prevent revenue loss due to merchant defaults, including robust underwriting and ongoing monitoring.

Fraud Prevention and Detection:

• Develop and maintain robust fraud prevention and detection mechanisms.
• Monitor transactions for suspicious activity and implement preventative measures to mitigate financial crime.
• Collaborate with engineering and data science teams to continuously enhance fraud detection algorithms and tools.

AI and Automation for Risk Management:

• Work closely with the Product and AI teams to drive the development of automated risk management solutions.
• Leverage AI and machine learning technologies to optimize credit risk assessment, fraud detection, and transaction monitoring.
• Define and execute a roadmap for incorporating advanced automation into the company’s risk management framework.
• Ensure alignment between risk mitigation goals and product development priorities, achieving scalability and efficiency through technology.

Risk Analytics and Reporting:

• Analyze risk data and trends to provide actionable insights, particularly around merchant behavior and transaction integrity.
• Prepare and present regular risk reports, including credit risk analysis, to the executive team and board of directors.
• Develop and maintain dashboards for ongoing monitoring of key risk indicators (KRIs).

Strategic Planning and Execution:

• Develop long-term risk management strategies aligned with Pockyt's business goals.
• Identify potential risks proactively and design contingency plans.
• Lead initiatives to address emerging risks and ensure alignment across business functions.

Team Leadership and Collaboration:

• Foster a culture of risk awareness, innovation, and accountability across the organization.
• Collaborate with cross-functional teams—including Product, Compliance, AI, Legal, and Customer Support—to embed risk considerations and technological advancements into every aspect of the business.

Qualifications:

• Minimum of 7-10 years of experience in risk management within the payments industry or financial services, with a strong focus on credit risk prevention.
• Expertise in payment processing, fraud prevention, merchant underwriting, and regulatory compliance.
• Proven track record of leveraging AI and technology to build scalable risk management frameworks.
• Strategic mindset with the ability to execute operational plans effectively.
• Exceptional analytical, problem-solving, and decision-making skills.
• Excellent communication skills, capable of conveying complex risk and technology concepts to technical and non-technical stakeholders alike.
• Ability to thrive in a fast-paced, dynamic environment with multiple competing priorities.

Why Join Pockyt?

• Opportunity to lead and shape risk management at a fast-growing payments innovator.
• Be at the forefront of integrating AI and automation into risk management.
• Competitive salary and comprehensive benefits package.
• Commitment to professional development and career growth.

If you are passionate about risk management, technology, and innovation, and eager to make a significant impact in the payments industry, we would love to hear from you!