Operational Risk Manager
15 hours ago
Manchester
Ryft is a rapidly growing, FCA-regulated payment facilitator that enables platforms and marketplaces to seamlessly onboard merchants and process payments with compliance built in. Backed by leading investors and fresh from our Series A raise, we're scaling fast and looking for ambitious talent to join the journey. The Role We're looking for a Risk Manager to own and evolve Ryft’s risk management framework. You’ll play a critical role in protecting the business from operational, financial, and compliance risks while enabling us to scale with confidence. You'll work cross-functionally with compliance, underwriting, product, and engineering to ensure risk is well-managed without becoming a blocker to growth. Key Responsibilities • Develop and maintain Ryft’s risk management policies, frameworks, and procedures, • Manage an underwriting, compliance and operations team, • Own the enterprise risk register and drive regular reviews across all departments, • Monitor and assess financial risk exposures (e.g. fraud, chargebacks, credit, merchant behaviour), • Help underwriting to assess and manage merchant risk profiles, • Liaise with payment partners, acquirers, and regulators on risk matters, • Proactively identify new and emerging risks from business operations, markets, and partners, • Lead risk incident response and post-mortem processes, • Deliver regular risk reporting to the leadership team and board, • Contribute to the enhancement of controls through automation and tooling, • Support audit and regulatory engagements related to risk Requirements • 4+ years of experience in risk management, preferably in a fintech, payments, or regulated financial institution, • Solid understanding of financial risk, operational risk, and regulatory requirements (FCA, PSD2, AML), • Experience working with acquirers, schemes, or payment service providers, • Strong analytical and problem-solving skills, • Excellent communication and stakeholder management abilities, • Ability to work in a fast-paced, scale-up environment, • Nice to have: Experience with fraud tooling, transaction monitoring, or data analysis (e.g., SQL) What We Offer • A chance to shape the future of payments at a high-growth fintech, • Meaningful equity options, • Hybrid working with flexible hours, • 25 days holiday + bank holidays, • Learning & development budget, • Regular team socials and offsites