Onboarding Risk Manager
Role Summary
Join Paddle as an Onboarding Risk Manager to lead a global team in managing payment-related risks and enhancing risk processes.
About the Organisation
We are a diverse, growing group of Paddlers across the globe who pride ourselves on our transparent, collaborative and respectful culture.
We are a ‘digital-first’ company, which means you can work remotely, from one of our stylish hubs, or even a bit of both! We offer all team members generous holiday leave and 4 months paid family leave regardless of gender. We invest in learning and will help you with your personal development via constant exposure to new challenges, an annual learning fund, and regular internal and external training.
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Key Responsibilities
In addition to your key day-to-day responsibilities you will also collaborate with the Legal, Support and Product teams in projects to help improve the Risk & Compliance function at Paddle. You will also have the opportunity to assist with recommendations or decisions on company risk-related matters with the Head of Risk & Compliance.
Previous experience in line management is required as you will work to support the growth and development of the teams. Knowledge of scheme rules and legislation around acquiring would be beneficial as well as any prior experience building/updating risk related processes.
- Lead the day-to-day operations of the Onboarding Risk team, ensuring consistent, high-quality risk decisions and throughput
- Manage, coach, and develop team members and team leads; set clear goals, feedback rhythms, and performance standards
- Provide expert support on complex or high-risk applications, including escalations and judgement-based decision-making
- Own onboarding risk procedures: document, maintain, and continuously improve processes, controls, and playbooks
- Build strong relationships across Risk and with key internal and external stakeholders to enable effective decisioning and smooth execution
- Oversee and strengthen onboarding risk management, ensuring policies and controls are applied effectively and proportionately
- Line manage the Onboarding Risk function across all regions, aligning priorities, coverage, and decision standards
- Act as a subject-matter expert for onboarding processes (KYB, KYC, Screening, Final Reviews), risk assessment, and decisioning frameworks
- Partner closely with leaders and peers beyond your immediate domain (Sales, Customer Support, Operations, and Engineering) to ensure onboarding delivers both strong risk outcomes and an excellent customer experience
- Manage and influence key cross-functional relationships to unblock decisions, resolve issues, and drive process improvements
- Develop, implement, and maintain onboarding processes and procedures—documenting internally and externally where needed
- Demonstrate broad knowledge of cross-functional dependencies, aligning processes to optimise outcomes for the Onboarding Risk queues.
- Handle complex escalations, make sound judgement calls (including with incomplete information), and ensure decisions are well-reasoned and appropriately recorded
- Communicate clearly and concisely with stakeholders at all levels, including translating risk decisions into customer-appropriate narratives where required
- Provide expertise on Card Scheme rules and relevant global payments legislation, and ensure processes reflect evolving requirements
- Evolve the KPI structure in collaboration with the Head of Risk & Compliance, ensuring the team meets their goals while fostering a supportive and inclusive environment.
Requirements
Eligibility Criteria
Candidates from outside the UK are considered, but no specific visa sponsorship details are mentioned.
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