Risk & Fraud Manager

This role is responsible for managing relationships with payment gateway (PG) partners, evaluating and onboarding new payment solutions, ensuring high transaction success rates, and mitigating fraud-related risks in real time. The ideal candidate will serve as a critical bridge between our business, technical, and external partners, ensuring smooth integration and optimal payment performance.

Key Responsibilities:

Payment Gateway & Solution Management

• Act as the primary point of contact for existing and potential payment gateway (PG) partners.
• Evaluate and onboard new payment partners or solutions that offer better pricing, higher success rates, and innovative features (e.g., retry logic, smart routing, tokenization, etc.).
• Benchmark and negotiate commercial terms with PG partners.
• Coordinate with the Tech Integration team and Business teams for smooth onboarding and deployment of new payment solutions.
• Monitor and analyze PG performance (success rates, downtime, latency, etc.) on a continuous basis.

Risk Monitoring & Fraud Prevention

• Monitor real-time transactions to identify anomalies, patterns, and red flags indicating possible fraudulent activity.
• Define and tune risk rules in collaboration with risk analytics tools and PGs.
• Handle chargebacks and disputes end-to-end, coordinating with relevant teams and PGs for resolutions.
• Implement fraud mitigation strategies while ensuring a seamless checkout experience for genuine users.

Operational Excellence

• Regularly review and optimize payment flows and checkout funnels for frictionless customer experience.
• Collaborate with product, tech, and finance teams to troubleshoot and resolve payment issues.
• Stay updated on industry trends, regulatory changes, and best practices in digital payments and fraud risk.

Data-Driven Decision Making

• Prepare and present dashboards/reports on payment performance, fraud metrics, and operational insights.
• Use data to recommend process improvements, new partner features, or tools that enhance payment performance or reduce risk.

Requirements:

• Bachelors degree in Business, Finance, Operations, Technology, or related field.
• 4+years of experience in payments operations, risk management, or fintech,preferably in a B2C eCommerce environment.
• Strong understanding of payment ecosystem components (PGs, aggregators, acquirers, issuers, fraud tools, etc.).
• Experience working with tech teams on API integrations, SDKs, and payment system workflows.
• Knowledge of fraud detection and prevention tools, as well as chargeback handling processes.
• Excellent problem-solving skills and a logical, data-driven mindset.
• Excellent Excel skills and should have basic knowledge of Power BI