Team Lead Acquiring Risk (m/f/d)

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 choose to shop. We are a team of over 750 experts from 70 different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience. Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference. Our offices: We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.

The Team

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. Leading and contributing to incident response and running post‑mortems that drive durable fixes. The role partners closely with Sales, Product, Engineering, Compliance, and Onboarding to navigate trade‑offs with a merchant‑first lens. The candidate ensures 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. Finally, the Team Lead hires and onboards effectively to build and strengthen the team.

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 45min 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, whether you choose bike rental or leasing or a Deutschlandticket (for Germany).
• Explore counselling assistance, be it for professional or personal matters, through our associated platform.
• Pension scheme, we want to give back and help you secure your future.
• 15 days a year of workation from your desired destination within the EU.
• Flexible working hours – helping you balance work and life.
• Learning budget of 1000 euros per year – you can develop your passions with us.
• Enjoy some fun moments with your coworkers – we throw a company party once a year and host several team events!

Equality and data notice: 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.