Job Title

Summary of This RoleThe Oceania Head of Credit and Risk is responsible for shaping and executing the business-wide Credit, Fraud, and Risk strategy. This role is accountable for strong risk governance, commercial and robust credit risk management, and proactive fraud prevention while focused on the client experience to support sustainable growth and regulatory compliance. support sustainable growth and regulatory compliance.Working closely with the CEO and the Oceania Senior Leadership Team, the role integrates risk insights into key business decisions, leads high-performing teams across underwriting, monitoring, and disputes, and drives a culture of accountability and continuous improvement.As the primary point of contact for regulators, banking partners, and card schemes on risk matters, this leader also develops and oversees the enterprise risk management framework for Global Payments Oceania, ensuring the business remains resilient and well-positioned in a dynamic payments environment.Key Responsibilities:Strategic Risk LeadershipDefine and lead the Risk, Credit, and Fraud strategy, ensuring alignment with the broader corporate vision and growth objectives across all business functions.Serve as a key member of the Oceania Senior Leadership Team, influencing business strategy through a risk-optimised, commercially balanced lens.Lead and develop high-performing, specialised teams across Credit Risk Underwriting, Fraud & Transaction Monitoring, and Chargebacks & Disputes, instilling a culture of accountability, innovation, and continuous improvement.Act as the risk advisor to the Company Directors and Senior Leadership Team, providing actionable insights into emerging risks, portfolio movements, and resilienceDevelop and maintain a robust risk governance framework that supports scalable growth, balances commercial and risk priorities, and meets evolving regulatory and partner expectations.Own the strategic relationship with external stakeholders including Banking Partners, Card Schemes, Regulators, and Auditors in relation to all Risk MattersProactively identify, assess, and respond to changes in the external risk landscape, including regulatory developments, economic shifts, and emerging fraud trendsDrive the adoption of automation, and technology within risk operations to enable real-time decisioning, improved accuracy, and enhanced customer experience.Provide thought leadership and proactive engagement to shape risk culture across the business.Credit Risk ManagementProvide strategic oversight of portfolio-level credit risk, ensuring exposures remain within approved risk appetite and support the companys commercial objectives.Guide and support decision-making on complex, high-risk, or non-standard financial risk exposures, including escalations related to high-risk merchants and emerging business models.Lead the end-to-end credit risk lifecycle for Payment Facilitators, including due diligence, credit underwriting, and ongoing monitoring.Maintain ownership and continuously evolve local credit risk policies, ensuring alignment with global frameworks while adapting to regional risk contexts.Establish new and improve existing frameworks for streamlined merchant risk and compliance assessment.Drive the operational execution of the AML/CTF Program across relevant credit risk processes, ensuring systems and processes meet regulatory and internal standards.Fraud and Financial Loss PreventionProvide strategic leadership and direction for continuous improvement to the financial risk and fraud prevention control environment.Collaborate with cross functional teams and stakeholders to enhance fraud detection and prevention capabilities, embedding strong controls across products, platforms, and customer touchpoints.Providing advisory services to the business to ensure clear understanding of fraud risk exposure with respect to clients, transactions and new product initiatives.Oversee complex investigations into fraud or suspicious activity, ensuring timely resolution and implementation of preventive controls to minimise future financial loss.Set the strategic agenda for the Disputes and Risk team, supporting capability development, training, and the delivery of a high-performing function.Governance and Business Risk ManagementLead and chair risk governance forums, ensuring regular review of key risk exposures, mitigation effectiveness, and emerging threats across the enterprise.Drive enterprise-wide risk assessments, owning the development, implementation, and continuous refinement of the Business Risk Register and associated risk frameworks.Collaborate with business functions to identify, assess, and prioritise operational, financial, strategic, and reputational risks.Establish and maintain risk mitigation strategies and controls to minimise impacts from identified risks, and ensure scalable growth.Guide and enable the business in meeting regulatory and compliance obligations, working in close partnership with the Compliance function to operationalise requirements effectively.Act as the key point of contact for internal and external audits involving the Credit and Risk function.In addition to the duties listed above all staff are expected to:Respect and abide by the vision, mission and values of the organisation;Ensure that their conduct is consistent with provisions of the Code of Ethics and Conduct;Comply with the provisions of relevant policies and procedures including the companys Information Security policy;Comply with the provisions of Workplace Health and Safety framework including policies, procedures and safe work systems that relate to their role, program area or the company as a whole. Information and training will be provided to successful candidates;Comply with relevant legislative requirements including requirements under the companys Australian Financial Services License; andCarry out general administrative functions related to their role and to the effective and efficient functioning of the company as a whole. This will include the use of computer-based calendar and information management systems.Selection Criteria:Desirable Qualifications and Experience10+ years in a senior credit leadership or senior risk management role, ideally within the payments or financial services industry.Proven leadership experience managing cross-functional risk teams.Strong understanding of underwriting, fraud detection, and regulatory compliance frameworks.Demonstrated experience in stakeholder management with senior leadership, regulators, banking partners, and external schemes.Experience with payment facilitator models, enterprise risk frameworks, and complex merchant structures is highly desirable.Bachelor''s degree in Finance, Risk Management, Business, or a related field.Key CompetenciesStrategic and analytical thinkingRisk Management and Governance acumenLeadership and team developmentStakeholder management and negotiationStrong communication and influencing skillsDecision-making under uncertaintyCompliance:Positive Duty AccountabilitiesGlobal Payments prioritises gender balance and diversity across its employee community and in its leadership teams and values expertise in gender equality and workplace culture. As a leader at Global Payments you are accountable for the following;-Ensuring implementation of the prevention and response plan of the organisation, to eliminate relevant unlawful conduct, as well as related monitoring activities;Undertaking reflection and/or training of personal leadership style to support a safe, respectful, inclusive workplace that values diversity and gender equality;Understanding that a positive workplace culture is a factor in the appointment and ongoing performance framework of the senior leadership team;Role modelling respectful behaviour, as well as role in preventing and responding to relevant unlawful conduct;Understanding all other leadership responsibilities in relation to the elimination of relevant unlawful conduct and an understanding of the consequences for failing to meet these expectations or engaging in relevant unlawful conduct;Actively seek representation and input from people from marginalised groups, who are disproportionately affected by relevant unlawful conduct; andActively appoint team members from marginalised groups, who are disproportionately affected by relevant unlawful conduct or who contribute to the diversity in your team.Salary: $172,900 - $217,300 plus superannuation#J-18808-Ljbffr