Head of Risk Management
Change Recruitment
Recruitment Agency
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- DAY RATE CONTRACT OPPORTUNITY - up to £800 per day Inside IR35 * Head of Client Risk Management Payments | FinTech | Client Risk | Onboarding | Operational Excellence This is not a traditional Risk role. It is an opportunity to lead the function responsible for deciding which clients the business works with, how they are onboarded plus how risk is managed throughout the client lifecycle within a fast growing embedded payments environment. You will lead a Client Risk team covering some of the most important risks facing the business including financial crime, business model risk, financial resilience, operational resilience plus conduct risk. The role sits at the intersection of Risk, Growth, Product, Operations and Customer Experience. The challenge is not simply to reduce risk. It is to build an approach that allows the business to grow safely, quickly plus intelligently. The Opportunity You will take ownership of the client risk strategy across enterprise customers and partner platforms. That includes defining how different client and partner models should be assessed, shaping onboarding decisions, overseeing ongoing monitoring plus determining when risks can no longer be accepted. You will also lead the evolution of the team itself, creating the processes, technology, controls plus capability required to support continued growth. The role has significant cross functional exposure across Sales, Onboarding, Product, Operations plus second line Risk & Compliance. There is also a genuine innovation angle. The business wants to explore how AI can improve client risk assessment while building a more scalable and technology enabled onboarding experience. What You Will Own You will:
- Lead and develop a high performing Client Risk Management team
- Own the customer due diligence approach across enterprise and partner models
- Set an approach that balances appropriate risk management with commercial growth
- Shape risk appetite and onboarding decisions across different client distribution models
- Oversee ongoing client risk including legacy relationships and potential offboarding recommendations
- Build scalable processes, tools plus services that support rapid growth without compromising customer experience
- Work closely with Sales, Product, Onboarding, Operations plus Risk & Compliance to improve the end to end client journey
- Define and monitor KPIs covering risk, quality, operational performance plus productivity
- Build strong training, accreditation plus quality assurance frameworks across the team
- Develop the team's capability to provide meaningful advisory support to internal stakeholders and clients
- Own Client Risk policies and procedures as the business expands into new products plus markets
- Chair the Client Selection & Exit Management Committee
- Bring external market insight into the business as regulatory expectations plus industry standards evolve What Makes This Role Different? This is not about managing a static framework. You will have the opportunity to shape how a growing payments business thinks about client risk from first engagement through to exit. You will influence:
- Which customers and partners the business works with
- How quickly they can be onboarded
- How technology can improve risk assessment
- How risk decisions are balanced against commercial opportunity
- How the operating model evolves as the business scales
- How client experience can improve without weakening controls For someone who enjoys building, improving and influencing rather than simply maintaining existing processes, the scope is significant. What We Are Looking For You are likely to come from banking, payments, fintech or professional services with experience across client onboarding, risk, operational delivery or customer lifecycle management. You should bring:
- Strong leadership experience with a track record of building and developing teams
- Good understanding of client onboarding and customer lifecycle risk
- Experience assessing risk across different business or distribution models
- Exposure to white labelled, embedded or partner led propositions would be particularly relevant
- Strong operational excellence and continuous improvement experience
- Evidence of delivering change across people, process plus technology
- Confidence working with senior internal and external stakeholders
- A data driven approach to performance, MI plus business intelligence
- The ability to make complex risk issues understandable and commercially relevant Knowledge of AML, KYC and broader financial crime regulation will also be valuable. Experience of European onboarding requirements, offshore operational providers or system supplier management would be useful but is not essential. Why Consider It? The attraction is the combination of leadership, risk ownership, operational transformation and commercial influence. You will be joining at a point where the function needs to continue evolving as the business grows across clients, products plus markets. Rather than inheriting a tightly defined remit, you will have the opportunity to shape the operating model, improve how risk decisions are made plus influence how technology and AI can support a faster and smarter client journey. For someone who wants to lead a team while remaining close to customers, commercial decisions plus strategic change, this is a genuinely broad opportunity. Get in touch below!!
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