Senior Risk Manager, Working Capital

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 world’s underserved businesses to a rising global economy. We’re a community with over 2,500 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 workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role Summary

Location: Buenos Aires, Argentina

Hybrid

Full-time

We are looking for a Senior Risk Manager to join our Working Capital Risk team and lead risk strategy and execution to support the expansion of our B2B offering in LATAM. This role is ideal for an experienced risk professional with hands-on expertise in credit risk assessment and strong familiarity with LATAM’s financial landscape, including local data sources, regulatory frameworks, and market practices. The ideal candidate combines analytical strength with strategic thinking, and can drive complex initiatives in a matrixed, cross-functional environment. In its initial phase, the role will focus primarily on manual underwriting of B2B customers in the region, with the goal of gradually transitioning toward more scalable, data-driven risk assessment processes.

The Senior Risk Manager will report to the Global Director of Portfolio Risk Management and collaborate closely with the central Risk, BizOps, and Data teams, as well as with the local LATAM GTM, playing a critical role in developing and localizing risk strategies.

About the Working Capital Product

The Working Capital product is designed to provide e-commerce and B2B businesses with the financial support they need to seize opportunities, manage cash flow, and drive growth. Whether looking to invest in inventory, expand operations, or cover unexpected expenses, Payoneer offers tailored financing solutions to help businesses achieve their goals with ease and confidence.

What you'll do:

• Manual Underwriting: Own the end-to-end underwriting process for LATAM B2B customers, including eligibility assessment, credit approvals, and exception handling.

• Portfolio Monitoring: Monitor and analyze portfolio performance, identifying trends, risks, and opportunities to improve decision-making and reduce risks.

• Underwriting Process Design: Design and implement scalable, data-driven underwriting frameworks by leveraging local data sources, partnering with regional vendors, and incorporating market best practices.

• Cross-Functional Collaboration: Work closely with the local GTM teams and global Risk, BizOps, and Data stakeholders to align risk strategy with broader business goals. Partner closely with local GTM and Sales teams to enable responsible growth, balancing risk appetite with commercial objectives.

Who you are:

• At least 7 years of experience in risk management, underwriting, or related financial analysis roles — with proven experience in the LATAM B2B market.

• Hands-on experience in manual underwriting of B2B customers or SMBs, including interpreting financial statements and evaluating creditworthiness.

• Familiarity with local data sources, credit bureaus, and scoring models used in LATAM risk evaluation.

• Strong analytical and strategic thinking skills, with the ability to operate in both detailed and high-level contexts.

• Excellent communication and collaboration skills, with experience working in matrixed, global organizations.

• Fluent in Spanish and English (Portuguese is a plus).

Not a must but a great advantage:

• Familiarity with fraud prevention tools and early warning indicators relevant to the LATAM market.

• Experience with risk scoring models or decision engine platforms.

• Experience working in a fast-paced or cross-functional environment.

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The Payoneer Ways of Working

Act as our customer’s partner on the inside
Learning what they need and creating what will help them go further.

Do it. Own it.
Being fearlessly accountable in everything we do.

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Always striving for a higher standard than our last.

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Helping each other grow, as professionals and people.

If this sounds like a business, a community, and a mission you want to be part of, apply today.

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.