Join a movement in which everyone can win. We started a movement in which everyone can win – shoppers, retailers, society and every person on our team. To play fair, trust people and reward them for doing the right thing. We see and feel the impact of our work as more and more people gain financial freedom and retailers grow across the globe.

Founded five years ago in Sydney, Australia, Afterpay has over 11 million active customers globally and more than 64,000 of the world’s best retailers around the world including Anthropologie, Revolve, DSW, GOAT, Finish Line, Levi’s, Mac Cosmetics, Ray-Ban and many others. Afterpay is on a mission to power an economy in which everyone wins. Afterpay is completely free for customers who pay on time – helping people spend responsibly without incurring interest, fees or extended debt.

Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers. We are focused on supporting our community of shoppers. We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing.

The Opportunity

Afterpay is looking for a dynamic, innovative and cross-functional Director of Merchant Risk in the North America Region to join our Risk and Analytics team. In this role, you will report directly to the Global Head of Merchant Risk and work cross functionally; you’ll lead the North America merchant risk policy framework, merchant risk operations of Afterpay across different segments to deliver against strategic priorities in the region.

The ideal candidate has drive, resilience, versatility, outstanding communication and leadership skills, is well-versed in the risk and payments space, enjoys interdisciplinary collaboration, and knows how to roll out programs across regions in a challenging, vibrant and fast-paced environment.

We are much more than our job descriptions - we are our energy, our ideas, our everyday drive. Here’s where you will begin….

● Act as a strategic advisor to senior management, commercial and business partners on underwriting-related matters across different products and deals

● Develop the necessary standards, procedures and policies for ensuring we have a merchant risk onboarding function that can, at scale, review and underwrite complex mid market and enterprise merchants but also small business 

● Standardize the approach to underwriting operations, creating efficiencies with continuous improvement of our platform and systems, and elevating the capability of the team

● Develop, define, communicate and implement underwriting strategies and vision in line with the businesses short and long-term strategic objectives with respect to loss ratios, underwriting SLA’s and portfolio performance

● Work in tandem with Regulatory Compliance, Data analytics, Consumer Risk Management, Sales and business development and relationship management to accomplish these goals. 

● Assist with projects, delegated tasks and participate in committees as needed

● Assist in the day-today operation of the NA underwriting team, which includes but is not limited to: Assisting underwriters in proper decisioning of accounts, Providing second approvals where required by company guidelines, handling escalations from sales teams

● Providing information to the management team by gathering and summarizing data; preparing reports; making presentations of findings, analyses, and recommendations

Who are you?

Like us, you’ll be deeply committed to delivering positive outcomes for customers and passionate about shaping the future of Afterpay. You like to keep it real with your actions, be brave with your decisions, do the right thing for all our stakeholders, and shape the future with excitement.

● Minimum 10 years payments acquiring experience in Risk or Underwriting, ideally within a payments or e-commerce business

● Skilled communicator and presenter with the ability to influence and motivate others along with stakeholders. ability to establish credibility and strong partnerships with sales teams and other analytics team members

● Experience in managing change across an organization through clarity of message, command of subject matter and effective delivery

● High attention to detail and ability to multitask

● Exceptional time management skills

● Comfortable working and making impactful decisions in a fast-paced environment

● Problem solving and decision-making skills with the ability to analyze complex information to identify the key issues/actions and drive to resolution

● A skill for identifying the behaviors and signs of risky/fraudulent activity or applications

● Ability to make independent and sound decisions in an unstructured environment

● Ability to prioritize and execute on the highest areas of importance

● Ability to stay calm and positive when dealing with merchant and sales partners inquiries

How we reward you. We have a pay for performance culture so you can expect to be rewarded for high performance. We pride ourselves on fairness and offer a competitive total reward package made up of salary, incentives and benefits including the opportunity to enroll in our share matching plan. 

We have a strong focus on health and wellbeing at Afterpay as we aim to support you to succeed in both your career and personal lives, such as providing employees with a corporate membership to Headspace. We offer a wide range of insurance programs so you have the flexibility to choose what is best for you. Afterpay covers 100% of the employee cost and 75% of the cost of your dependents. 

We value diversity and a collaborative and inclusive environment where everyone feels they belong is important to us.

How to Apply: We don’t know what the future holds. That’s the exciting part; we show up and make it happen. If you’re brave, if you’re committed to doing the right thing and excited by this opportunity, click apply now!

Afterpay is continuing to hire for all open roles with all interviewing and on-boarding done virtually due to COVID-19. All new team members, in addition to current staff, will temporarily work from home until it is safe to return to our offices.