Portfolio Risk Manager

At myPOS, we’re all about helping businesses grow and get paid. We make payments simple, smart, and accessible for everyone, but we’re more than just payment solutions - myPOS is a partner in growth. From free multicurrency accounts to powerful e-commerce tools, we’re here to support business owners of all sizes and everyone out there who dreams of starting their own business.

As we are expanding our team, we’re looking for Portfolio Risk Manager to help us make a real difference in the Fintech industry. Ready to join us and shape the future of payments? Let’s make it happen!

About the role:

This is an outstanding opportunity to join a best-in-class 2nd Line of Defense (LOD) Risk management function. The successful candidate will promote an active risk management culture and provide 2nd Line of Defense risk oversight. You will work closely with international teams (including Bulgaria, Ireland and the UK) and will report to the group Chief Risk Officer.

As subject matter expert, you will provide advice services to assigned lines of business (LOBs) on risk program management topics, including all activities associated with risks, controls, testing, remediation, loss analysis, key risk indicators, reporting, policy and procedure and reporting development.

You will be responsible for ensuring risk program is consistent with Risk Policy as part of the Enterprise Wide Risk Management Framework. Performing oversight activities over all regulatory risks including Operational Risks, Financial Crime Risks and Outsourcing Risks.

What you’ll do:

• Contribute to shaping risk awareness & culture across the organisation by developing a strong understanding of risks, and risk management processes;

• Identify and monitor risks within the organization;

• Review the Risk Management dashboards, including KRIs, to monitor risks across the organization and tailor reports for different organizational levels;

• Contribute to the further development of 2nd LOD Risk processes and tools;

• Contribute to policies, standards, and procedures in alignment with the Risk Framework;

• Help LOBs follow Risk Policies by providing feedback and guidance on managing risks, setting up controls, conducting tests, fixing issues, and reporting major risk and control problems;

• Review internal events, near misses, industry trends, and regulatory updates to evaluate the control environment and decide if actions are needed to reduce potential risks;

• Assist the 1st Line of Defiance and other corporate initiatives in reducing operational risks;

• Maintain effective and professional communication with senior management, regulatory agencies, legal counsel, and internal and external auditors;

• Support the CRO by leading or contributing to operational risk projects, initiatives, working groups, or other tasks to achieve team goals;

• Lead key initiatives such as:
  o Control Assurance and themed reviews; o Business support on action tracking and management; o Resolution Planning; o Scenario Analysis; o Deep dives & root cause analysis.

This role is perfect for you if you have:

• Strong Analytical Capability;

• Experience working with data (SQL, Python, or similar strongly preferred);

• Ability to analyse complex datasets and identify meaningful insights;

• Relevant Risk Experience  3–5 years’ experience in:  Fraud risk / transaction risk /Payments /fintech/ acquiring /Risk analytics or consulting;

• Understanding of chargebacks and transaction flows is a strong advantage;

• Exposure to merchant or SME risk; 

• Understanding of how business models impact risk exposure;  

• Ability to move from data → insight → recommendation ;

• Ability to work cross-functionally and influence discussions ;

• Comfortable interacting with both business and technical teams.

  Nice-to-Have:
  

• Experience in fintech, acquiring, or payment institutions;

• Exposure to merchant / credit risk concepts;

• Experience building dashboards or analytical tools;  

• A personal style that demonstrates authority, commitment and consistency, and inspires trust and confidence.

Why you should join myPOS:

• Vibrant international team operating in hi-tech environment

• Annual salary reviews, promotions and performance bonuses

• myPOS Academy for upskilling and training

• Unlimited access to courses on LinkedIn Learning

• Annual individual training and development budget

• Refer a friend bonus as we know that working with friends is fun

• Teambuilding, social activities and networks on a multi-national level

What we offer:

• Excellent compensation package

• 25 days annual paid leave (+1 day per year up to 30)

• Full “Luxury” package health insurance including dental care and optical glasses

• Meal vouchers of 200 BGN per month

• Fully covered Multisport card

• Free coffee, snacks and drinks at the office

Who we are:

Since 2014 we’ve been all about making payments easier and more accessible for businesses of all shapes and sizes. Whether you’re at the counter, selling online, or on the move, we’ve got businesses covered with smart, accessible and affordable solutions that keep things easy.

Our mission? It’s simple. Help businesses get paid by taking advantage of modern tech and innovative ideas, so payment challenges are a thing of the past.

Pro tip:

Take it easy about meeting every requirement - this job description is just that, a job description! Even if you don’t tick every box, want you to apply anyway! This is your chance to grow, learn, and build your career with us. We value potential over perfection, and we are all about mutual growth!

Apply by filling in the form below and send your CV in English!

myPOS is committed to providing equal employment opportunities. All qualified candidates will be considered for employment without discrimination based on age, ancestry, colour, marital status, national origin, physical or mental disability, medical condition, veteran status, race, religion, sex, sexual orientation, gender identity or expression, or any other characteristic protected by applicable laws, regulations, and ordinances.

Your application will be confidentially reviewed in line with the General Data Protection Regulation (GDPR). Personal information will be used solely for the job application and will be stored for a period needed by the application process. Only short-listed candidates will be contacted. Good luck!