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Payoneer is seeking a Director of Portfolio Risk Management to lead risk strategy and operations for its Working Capital business, which serves global eCommerce and B2B customers. Reporting to the GM of Working Capital, you will lead a global risk team and own end-to-end risk management for a portfolio with tens of millions of dollars in exposure.
Key responsibilities include:
- Develop and execute global risk strategy for the Working Capital portfolio, balancing growth with portfolio quality and risk appetite
- Define and evolve underwriting frameworks, eligibility criteria, exposure limits, approval authorities, and decisioning rules across markets and customer segments
- Lead hands-on underwriting of larger and complex customers, providing risk assessment and decision-making on material exposures
- Own portfolio risk management and performance through data analytics, monitoring trends, identifying emerging risks, and translating insights into underwriting and control changes
- Partner with Data, Product, and R&D to advance risk capabilities, analytical models, automation, and scalable underwriting processes
- Collaborate across GTM, Product, Finance, Data, Legal, Compliance, and Operations to translate business needs into practical risk solutions
- Lead risk governance and executive-level discussions, presenting portfolio performance and key risks to senior management and the Risk Committee (including CFO)
- Lead and develop the global risk team, setting priorities, standards, methodologies, and operating practices
This is a strategic, hands-on role combining deep risk expertise with business judgment and analytical capability. You will work closely with senior leadership and cross-functional teams to enable sustainable growth while maintaining strong portfolio performance.
REQUIREMENTS:
- 7+ years of experience in credit risk, underwriting, or portfolio risk management, including a senior role with meaningful ownership of underwriting strategy and portfolio performance
- Strong SMB and commercial underwriting expertise with hands-on experience assessing complex businesses, cash flows, repayment capacity, and risk mitigants
- Experience managing sizable portfolios and material customer exposures, with strong understanding of portfolio risk methodologies (concentration risk, cohort analysis, early-warning indicators, loss performance)
- Deep familiarity with eCommerce ecosystem, including marketplace dynamics, seller economics, and risk characteristics of eCommerce businesses
- Experience developing and evolving risk and underwriting frameworks, policies, eligibility criteria, and decisioning rules
- Strong analytical capabilities and business judgment; ability to use data for sound risk decisions while balancing growth, customer needs, and portfolio performance
- Proven people leadership experience managing and developing risk professionals
- Excellent written and verbal English communication and influencing skills; ability to communicate complex risk topics and engage senior management
ADVANTAGES:
- Experience in fintech or technology-driven environments with exposure to data-driven underwriting, automated decisioning, and scalable risk processes
- Experience working in global environments and leading global teams
