Head of Risk Management Eu

**Head of Risk Management (Europe)**

**Berlin-based**

Take the lead in shaping SumUp's European risk strategy — a senior leadership role with regulatory impact, board visibility, and the opportunity to future-proof our growth.

At SumUp, we empower small businesses and drive sustainable growth across Europe. To achieve this, we need a forward-looking risk management framework that ensures compliance, resilience, and trust with regulators, partners, and customers. That's where you come in.

We're looking for a **Head of Risk Management** to define and lead SumUp's risk strategy across Europe. You'll play a pivotal role in safeguarding growth, driving a robust risk framework, and building trusted relationships with SumUp's European regulators such as the Central Bank of Ireland, the FCA in the UK and Bank of Lithuania.

**What you'll be doing**

Serve as the designated PCF holder for Risk in SumUp's Irish regulated entity, acting as the primary point of engagement with the Central Bank of Ireland.

Lead the design, implementation, and ongoing enhancement of an enterprise-wide risk management framework, tailored to the Irish entity and aligned with our other European regulated entities.Oversee the identification, assessment, and mitigation of financial and non-financial risks across business lines, ensuring effective controls and a strong risk culture.Define and monitor the entity's risk appetite and key risk indicators (KRIs), providing clear reporting and insight to senior management and Boards.Chair risk governance committees, ensuring timely regulatory reporting, escalation, and adherence to governance standards.Build, mentor, and develop a high-performing risk team while partnering with business leaders to embed risk considerations into strategic decisions and change initiatives.
- While our core focus is on fintech and payments, familiarity with risk management in banking environments will be highly regarded, bringing additional perspective to our regulatory engagements and enterprise-wide frameworks.

**What we're looking for**

Proven senior risk leader with 8-10 years in risk management, including at least 3-5 years as Head of Risk (or equivalent) in a regulated financial services environment.

Deep expertise in European financial services regulation and hands-on experience in fintech, payments, or electronic money institutions.Trusted regulatory partner with a strong track record of engaging European regulators and presenting effectively to boards and audit committees.Builder and people leader experienced in scaling and leading high-performing risk teams (10+ people) and embedding robust risk frameworks across organizations.Strategic and analytical thinker able to balance long-term vision with practical execution, using data and insight to guide decision-making.Executive presence and collaboration skills — a confident communicator who can influence senior stakeholders, foster cross-functional alignment, and thrive in complex, fast-changing environments.
- Open to frequent travel across SumUp's European locations to collaborate with teams and stakeholders
- This is a regulated and mandated role (PCF) that requires pre-approval by the Central Bank of Ireland._

**Why you should join SumUp**
- **Global impact**: Work with SumUppers worldwide on fintech products used by millions of businesses, based in our Berlin or Dublin office (office-first setup).
- **Diversity & inclusion**: Join a workplace that values diverse perspectives and fosters an inclusive environment.
- **VSOP program**: Own a stake in SumUp's future success.
- **Professional development**: €2,000 annual L&D budget to attend conferences or pursue further education.
- ️ **Generous time off**: 28 days of paid leave plus public holidays and special leave days.
- **Pension scheme**: Company matches up to 20% of your contributions.
- **Break4me sabbatical**: One-month sabbatical after 3 years of service.
- **Referral bonus**: Earn rewards by referring talented individuals to join SumUp.

**About SumUp**

We believe in the everyday hero.

Small business owners are at the heart of all we do, so we're creating tools that help them run their businesses. With a founder's mentality and a 'team-first' attitude, our diverse teams across Europe, South America and the United States work together to ensure that the small business owners we partner with can be successful doing what they love.
- SumUp is an Equal Employment Opportunity employer that proudly pursues and hires a diverse workforce. SumUp does not make hiring or employment decisions on the basis of race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. SumUp also strives for a healthy and safe workplace and strictly prohibits harassment of any kind._

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