-Develop and mature a  strategic, comprehensive, and compliant Third-Party Risk Management program.

-Lead due diligence for evaluating new suppliers and assess ongoing third-party risks.

-Continuously monitor third-party relationships to ensure alignment with risk appetite.

-Respond to incidents and maintain contingency plans for third-party failures.

-Build and implement a Merchant Credit Risk program to assess and manage creditworthiness.

-Oversee merchant credit assessments and regularly review their credit exposure.

-Implement risk mitigation tools such as letters of credit and performance bonds.

-Lead merchant risk approval processes and reporting.

-Monitor third-party and merchant risks, identifying trends and emerging risks.

-Provide regular risk reports to senior management and escalate issues when necessary.

-Ensure regulatory compliance with evolving third-party and merchant risk standards.

-Partner with Procurement, Legal, Compliance, Security, and Operational teams to integrate risk management.

-Act as a subject matter expert on risk mitigation strategies and best practices.

-Deliver training programs to build a strong risk culture within the organization.

-7+ years in third-party risk management, credit risk, or operational audit.

-Hands-on experience building and managing risk programs.

-Proven ability to identify, communicate, and mitigate risks to senior leadership.

-Experience driving change adoption in risk processes.

-Strong knowledge of Polish and EU regulations and the payment ecosystem.

-Analytical skills and experience with financial statement analysis and credit risk.

-Project management skills with the ability to lead cross-functional teams.

-Excellent communication and influencing skills in English.

-Risk certifications (e.g., CTPRP, CCP) and experience with global risk programs.

Background in regulated companies in the payments industry.

-Experience with regulatory bodies in Poland and the EU.