Portfolio Risk Lead, China

About Payoneer

Founded in 2005 Payoneer is the global financial platform that removes friction from doing business across borders with a mission to connect the worlds underserved businesses to a rising global economy. Were a community with over 2500 colleagues all over the world working to serve customers and partners in over 190 countries and territories.

By taking the complexity out of the financial workflowsincluding everything from global payments and compliance to multi-currency and workforce management to providing working capital and business intelligencewe give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role Overview

The Portfolio Risk Lead(China/APAC) is a senior individual contributor responsible for owning the regional risk posture with a focus on portfolio performance key risk indicators and cross-functional alignment.

This role sits within the Portfolio Risk Intelligence pillar and plays a critical part in driving interpreting and communicating regional risk trends with direct impact on Risk Blocked Volume (RBV) and broader portfolio KPIs.

The position requires strong independent judgment deep domain expertise and the ability to influence decisions across multiple stakeholders.

Key Responsibilities

• Own the regional portfolio risk view for China/APAC with focus on risk performance key KPIs and trend analysis across fraud and AML domains
• Monitor analyze and explain regional performance across key KRIs including:
• Risk Blocked Volume (RBV)
• Fraud trends and risk drivers
• Account- and payment-level indicators
• Identify and assess emerging regional risk patterns typologies and behavioral shifts
• Translate complex data into clear structured insights and actionable recommendations
• Partner with Signals and Controls teams to ensure effective detection and mitigation of regional risks
• Serve as the regional subject matter expert and point of contact for:
• Business / GTM
• Product
• Compliance and Operations
• Contribute to risk narrative and reporting for senior stakeholders including regional and global forums

Scope & Impact

• Operates with high independence and limited day-to-day direction
• Influences cross-functional decision-making across product compliance and business teams
• Acts as the regional authority on risk trends and performance
• Plays a key role in bridging regional dynamics with global portfolio risk strategy
• Direct impact on key Compliance KPIs particularly RBV and portfolio-level risk trends

Required Experience

• 7 years of experience in:
• fraud risk AML or payments risk management
• portfolio-level risk analysis or monitoring environments
• Proven experience in:
• owning or deeply influencing risk metrics / KPIs
• working with large-scale data and risk trends across portfolios or regions
• identifying and translating complex patterns into structured insights
• Demonstrated ability to:
• operate independently in ambiguous environments
• prioritize across competing risk signals and business needs
• influence stakeholders without direct authority

Stakeholder & Communication Expectations

• Experience presenting to senior internal stakeholders (Director / VP level or equivalent)
• Strong ability to simplify complex risk topics into clear narratives
• Proven track record working across:
• cross-functional teams (Product Compliance Operations)
• regional or global structures

Preferred Qualifications

• Experience working in or covering China/APAC markets
• Knowledge of regional regulatory and risk environments
• Experience in fintech payments or e-commerce ecosystems
• Familiarity with KRI frameworks and portfolio-level monitoring