About Us Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow. At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they shop. We are a team of over 750 experts from 70 nationalities, dedicated to creating a state-of-the-art unified commerce platform while enabling businesses to delight their customers with a seamless payment experience. Our offices are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.
The Team and The Role
The Team Lead is an integral, hands-on member of the team, a player‑coach who works side by side on daily operations and shares ownership of outcomes, planning capacity and prioritizing work to balance BAU with strategic projects. The role includes incident response, post‑mortems, governance and audit readiness through policies, controls, SOPs, and evidence; drives process excellence and automation. The Team Lead oversees tooling and vendor ROI with structured change management and training. They build and foster an inclusive, high‑trust culture with strong knowledge management, ongoing upskilling, and effective coaching and performance management. The Team Lead also hires and onboards effectively to grow the team and strengthen capabilities. The role works with Sales, Product, Engineering, Compliance, and Onboarding to navigate trade‑offs with a merchant‑first lens.
What your work will look like
Lead and coach a team of risk analysts: hiring, onboarding, training, performance feedback, and career development. Coordinate schedules and task distribution to ensure coverage.
Oversee day‑to‑day risk monitoring and investigations across channels, act as escalation point for complex cases and incident manager for payments risk/fraud events, including post‑mortems and structural fixes.
Govern underwriting execution and due diligence quality, ensure compliance with regulatory, card network, and internal policy requirements.
Drive cross‑functional resolution with fraud, disputes, onboarding, and compliance, lead knowledge‑sharing (post‑mortems, playbooks, knowledge base).
Oversee the execution of the fraud risk strategy, including proactively monitoring performance, reducing false positive rates, and providing regular progress and status reports to the line manager.
Establish KPIs and executive reporting, ensure audit readiness and policy adherence, support regulatory and scheme audits.
Build external relationships with card networks, risk vendors, and peer acquirers, stay ahead of emerging fraud trends and regulatory changes, translate into actionable policies.
Act as a multiplier by sharing expertise and supporting more junior roles in daily operational risk activities.
What you need to be successful in this role
5–8+ years in acquiring/payments risk with demonstrable results reducing losses at scale, experience across multiple geographies/verticals a plus.
Deep expertise in card scheme programs and merchant risk typologies, transaction monitoring, chargeback strategy, and credit risk for delivery/refund liability.
Advanced analytical capability (SQL required, Python/R or similar a plus), comfort designing experiments and measuring causal impact.
Strong leadership and stakeholder influence, experience presenting to executives and external parties (networks, auditors, regulators).
Fluent English, German or Danish a plus.
Please note that we will not sponsor your visa or relocation, and you must have a valid work permit to be eligible for this position.
What’s next?
Does it sound exciting? Apply with your CV in English. Please don’t shy away if you don’t meet all the requirements. We’re looking forward to meeting you.
We will get back to you within 7 days of receiving your application.
The interview process includes: a 30 min intro call with a TA Partner, a conversation with your potential manager (up to 60 min) and a 45 min conversation with the team.
What’s in there for you
Work from home up to 60% of the time. We want you to keep your work-life balance.
Mobility support, including bike rental or leasing or a Deutschlandticket (for Germany).
Counselling assistance through our associated platform for professional or personal matters.
Pension scheme to help secure your future.
15 days a year of workation within the EU.
Flexible working hours – choose a schedule that works best for you.
Learning budget of 1000 euros per year for your development.
Company social events, including an annual company party and multiple team events.
Unzer is an equal employment opportunities workplace, and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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