Oceania Head of Credit

Every day, Global Payments makes it possible for millions of people to move money between buyers and sellers using our payments solutions for credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies, more than 1,300 financial institutions and over 600 million cardholders grow with confidence and achieve amazing results. We are driven by our passion for success and we are proud to deliver best-in-class payment technology and software solutions. Join our dynamic team and make your mark on the payments technology landscape of tomorrow.

**Summary of This Role**:
The 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 Leadership**
- Define 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 resilience
- Develop 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 Matters
- Proactively identify, assess, and respond to changes in the external risk landscape, including regulatory developments, economic shifts, and emerging fraud trends
- Drive 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 Management**
- Provide strategic oversight of portfolio-level credit risk, ensuring exposures remain within approved risk appetite and support the company’s 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 Prevention**
- Provide 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 Management**
- Lead and chair risk gov