Chargeback Specialist

iwoca

FRAUD STRATEGY LEAD – IWOCAPAY We're looking for a Fraud Strategy Lead You'll own the fraud strategy agenda for a B2B payment product that is changing how it delivers digital trade credit. You will design transaction profiling strategies, monitor automated fraud models, and give a small team the direction and context to act on what the data tells us. The company Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team iwocaPay is iwoca's B2B payment product. It lets business buyers pay on trade credit terms while sellers receive payment upfront. The risk squad manages the loss exposure that sits beneath that model: credit risk, fraud and financial crime, disputes, and payment operation failures such as chargebacks. At the moment, the squad runs largely on operational controls. That works, but it means the analytical and operational sides of risk function independently of each other. We are building the capacity to change that – better predictive analytics, a consistent monitoring framework, and an overarching risk strategy. The squad sits within iwocaPay but works closely with iwoca's Risk Modelling team and the broader technical and data science functions. The role As Fraud Strategy Lead, you'll shape how the fraud function is built. The squad currently runs on effective operational controls, but it means the analytical and operational sides work independently of each other. Your challenge is to close that gap: designing transaction profiling strategies, establishing real-time automated decisioning, and defining risk appetite to keep the B2B checkout experience seamless while loss rates stay inside tolerance. You'll set modelling priorities and evaluate automated fraud models alongside embedded data scientists, rather than building from scratch yourself. You'll guide Risk Analysts and work across product and engineering to turn analytical trade-offs into commercial decisions others can act on. Credit policy, model governance, seller counterparty risk – you'll build up the frameworks for a new invoice finance product.. You'll define the standards, judge whether the models meet them, and present a forward-looking strategy that tells Co-Leads and wider leadership what to sequence next. The decisions you make will shape loss rates, approval volumes, and the pace at which a new product scales. The requirements Essential: * Portfolio ownership: You have managed or materially contributed to a credit portfolio of £10 million or more, with accountability for fraud and/or credit loss performance against a defined risk appetite. * Experience delivering fraud strategy in a digital lending, fintech, or payments context, focusing on transaction profiling over manual reviews. * Experience with B2B-specific fraud typologies, such as buyer impersonation, fictitious invoices, or merchant collusion. * Experience managing fraud loss rates against high-velocity transaction volumes, balancing fraud prevention with customer friction to achieve high straight-through approval rates. * Ability to monitor and evaluate automated fraud models, assessing feature quality and guiding data scientists without necessarily needing to build models yourself. * Ability to collaborate across engineering, data science, and product, translating fraud trade-offs into commercial decisions that non-specialists can act on. * Background in mathematics, statistics, economics, or a related quantitative discipline, allowing you to challenge, tune, and evolve risk frameworks. * Uses AI tools to support analysis and decision making, applying strong judgement to ensure accuracy, risk awareness, and sound outcomes. Bonus: * Experience at a B2B pay-later or trade credit business. * Experience assessing seller counterparty risk or merchant risk in a payments or embedded finance context. * Experience building or scaling a risk function during a period of significant product change or volume growth. The salary We expect to pay from £110,000 – £130,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We are a tech company, and we use AI where it helps us work faster or better. We expect people to look for useful applications, test them in practice, and use good judgment about when and how to rely on AI. The offices We put a lot of effort into making iwoca a great place to work: * Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. * Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits * Flexible working hours. * Medical insurance from Vitality, including discounted gym membership. * A private GP service (separate from Vitality) for you, your partner, and your dependents. * 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. * A one-month, fully paid sabbatical after four years. * Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. * 3% Pension contributions on total earnings. * An employee equity incentive scheme. * Generous parental leave and a nursery tax benefit scheme to help you save money. * Electric car scheme and cycle to work scheme. * Two company retreats a year: we’ve been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: * A learning and development budget for everyone. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse. Useful links: * iwoca benefits & policies * Interview welcome pack

Flo Health

500M+ downloads. 80M+ monthly users. A decade of building – and we’re still accelerating. Flo is the world’s #1 health & fitness app worldwide on a mission to build a better future for female health. Backed by a $200M investment led by General Atlantic, we became the first product of our kind to reach a $1B valuation in 2024 – and we’re not slowing down. With 7M paid subscribers and the highest-rated experience in the App Store’s health category, we’ve spent 10 years earning trust at scale. Now, we’re building the next generation of digital health – AI-powered, privacy-first, clinically backed – to help our users know their body better. The job We're looking for a Senior Product Manager (Payments) to own the strategy and execution of Flo's payments and subscription platform across Web, iOS, and Android. This is a high-impact, high-visibility role at the intersection of monetisation, platform, and operations, working closely with the VP of Product (Revenue) to shape the payment foundation that will support Flo's next stage of global growth. You will work across Product, Engineering, Data, Finance, Legal/Compliance, Support, and commercial stakeholders to build payment experiences and platform capabilities that are reliable, scalable, compliant, and growth-oriented. Payments are a core part of Flo’s growth engine and a critical platform capability for the business. As we continue to scale globally, we need strong product leadership in this area to ensure our payment stack, subscription systems, and monetisation mechanics are robust, efficient, and ready for the next stage of growth. As Senior Product Manager, Payments Platform, you will play a central role in shaping that foundation. Your Experience Must have: * Significant product management experience, with strong exposure to payments, billing, subscriptions, or financial platform products * Deep understanding of online payment systems and subscription mechanics, ideally in a B2C subscription or consumer app environment * Experience with mobile subscription ecosystems, including Apple and Google billing environments * Experience with web payment providers and billing platforms such as Stripe, Adyen, Braintree, RevenueCat, or similar * Experience managing fraud and dispute processes, including chargeback mitigation and refund strategy * Strong grasp of key payments concepts such as: * Payment flows * SCA / 3DS * Tokenisation * Issuer declines * Retries and dunning * Refunds and disputes * Reconciliation * Subscription lifecycle and entitlement logic * Working knowledge of indirect tax compliance (VAT/GST) and how it intersects with subscription billing and multi-market operations * Experience working closely with engineers on platform or infrastructure-heavy product areas * Proven track record of delivering complex cross-functional initiatives in fast-paced environments * Strong analytical skills and ability to use data to diagnose performance issues, evaluate trade-offs, and drive decisions * Excellent stakeholder management, with the ability to work effectively across Product, Engineering, Data, Finance, Legal/Compliance, and Support * Ability to balance strategic thinking with hands-on execution and operational detail Nice to have: * Experience building in-house billing capabilities or implementing payment orchestration layers * Familiarity with tax determination platforms such as Avalara, TaxJar, or Vertex * Experience defining payment flows for external partner programmes (e.g. sponsored access, partner perks, third-party app stores) * Exposure to payment automation and AI applications in payments contexts (e.g. intelligent retry logic, decline prediction, dispute automation What you'll be doing You'll be responsible for: * Own the product roadmap for Flo’s payments and billing platform across Web, iOS, and Android * Define and improve the end-to-end subscription and billing journey, including: * Purchase and checkout flows * Entitlement and receipt validation * Renewals, retries, grace periods, cancellations, and refunds * Payment failure recovery and dunning * Partner with Engineering and Data to improve the performance and resilience of our payment stack, including: * Acceptance rate optimisation * Issuer decline analysis * SCA / 3DS flows * Tokenisation and retry logic * Payment method coverage and routing * Build the product capabilities, internal tooling, and automations required to support scalable and audit-friendly payment operations * Work closely with Finance and Operations teams to improve reconciliation, reporting accuracy, and process efficiency * Own the tax compliance product surface, working with Finance and Legal to ensure correct tax determination, indirect tax handling (VAT/GST), and compliance with marketplace facilitator obligations across our key markets * Identify and drive monetisation opportunities linked to the payments experience, such as checkout optimisation, refunds strategy, pricing mechanics, promos, and payment method expansion * Lead fraud and dispute management strategy, including chargeback reduction, fraud detection tooling, and refund policy optimisation * Establish clear frameworks for experimentation and decision-making, including A/B testing, KPI definitions, and performance dashboards * Align stakeholders across multiple teams and functions, balancing growth, reliability, compliance, and user experience * Act as the subject matter expert for payments and subscription platform topics within the product organisation #LI-Hybrid #LI-AJ1 Annual Salary Range (ranges may vary based on skills and experience) £92,000—£115,000 GBP How we work We’re a mission-led, product-driven team. We move fast, stay focused and take ownership – from brief to build to impact. Debate is encouraged. Decisions are shared. We care about craft, ship with purpose, and always raise the bar. You’ll be working with people who take their work seriously, not themselves. It takes commitment, resilience, and the drive to keep going when things get tough. Because better health outcomes are worth it.  What you'll get We support impact with meaningful reward. Here’s what that looks like: * Competitive salary and annual reviews * Opportunity to participate in Flo’s performance incentive scheme * Paid holiday, sick leave, and female health leave * Enhanced parental leave and pay for maternity, paternity, same-sex and adoptive parents * Accelerated professional growth through world-changing work and learning support * In-person collaboration and work in a hybrid model, with 3 days per week spent in the office * 5-week fully paid sabbatical at 5-year Floversary * Flo Premium for friends & family, plus more health, pension and wellbeing perks Diversity, equity and inclusion Our strength is in our differences. At Flo, hiring is based on merit, skill and what you bring to the role – nothing else. We’re proud to be an equal opportunity employer, and we welcome applicants from all backgrounds, communities and identities. Read our privacy notice for job applicants.

Soho House

The Role.. The Senior Treasury Manager sits within the Group Finance Shared Service Centre in Milton Keynes and reports to the Group Financial Controller. The role is responsible for the compliance, control and day-to-day management of treasury activities across a complex multinational hospitality group, including group cash operations, bank account governance, banking mandates, treasury administration and consolidated treasury reporting. This role will ensure the Group maintains sufficient liquidity across UK and international entities, operates efficient banking structures, manages financial risk in line with approved treasury, tax and accounting policies, and maintains strong internal controls over banking access, payments and cash movements. The role provides excellent exposure across the business to local finance teams, tax, legal, FP&A, IT, internal audit, external auditors and banking partners. It will also lead and develop a small treasury team of 1-3 people while supporting process improvement, automation and standardisation across treasury activities. Key Responsibilities.. * Own the operational management of Group treasury activities, ensuring processes are controlled, documented, timely and compliant with Group policy.  * Lead global cash positioning, short term cash flow forecasting (rolling 13 weeks) and working capital visibility across all local and international entities. Support the Commercial Finance team on medium- and long-term cash flow forecasting and liquidity planning.  * Manage the bank account lifecycle, including account openings and closures, banking mandates, authorised signatory updates, KYC packs, bank documentation, online banking platforms and periodic user access reviews. * Maintain robust controls over payments, intercompany funding, cash pooling, sweeping, bank reconciliations and treasury-related master data.  * Act as a key relationship partner for all banking partners, supporting negotiation and renewal of banking services, facilities, fees and account structures.  * Identify, assess and manage foreign exchange, interest rate, counterparty and liquidity risks, supporting hedging strategies in line with approved tax, accounting and treasury policies.  * Manage external debt and facility administration, covenant compliance, interest schedules, guarantees, letters of credit, bank fees and other treasury instruments as required.  * Prepare consolidated treasury reporting for the Group Financial Controller, CFO and senior leadership, including cash, debt, short term (rolling 13 weeks) liquidity and forecast accuracy, FX exposures, bank accounts and key control metrics.  * Ensure compliance with treasury policies, delegated authority limits, regulatory requirements, internal control standards and audit requirements, including support for internal and external audit workstreams.  * Support transformation projects such as bank rationalisation, payment process improvement, payment factory/shared service activities, ERP/TMS implementations and treasury control enhancements.  * Own and update treasury policies, standard operating procedures, control matrices and bank-account governance documentation.  * Oversee treasury management systems and banking portals, including Kyriba or equivalent TMS, driving automation, standardisation, data quality and system optimisation.  * Partner with tax, legal, accounting and local finance teams on intercompany loans, dividends, funding flows and other corporate transactions.  * Manage, coach and develop a small treasury team of 1-3 people, setting clear objectives, reviewing performance and building treasury capability within the shared service centre.  * Other activities and projects as assigned by the Group Financial Controller or CFO. * Merchant acquiring and card payment acceptance: ownership of acquiring relationships, settlement and chargeback/fee management.  * Investment of surplus cash and interest income optimisation within policy  * Sanctions and AML screening over payments and counterparties, given the multinational payments base  * Treasury accounting under US GAAP and hedge accounting  * Board and Audit Committee treasury reporting Experience required.. * You will likely hold a relevant professional qualification such as ACT/MCT or ACA, or have equivalent corporate treasury experience gained in a multinational environment.  * Significant experience in corporate treasury, cash management or treasury operations within a fast-paced multi-site or multinational business; hospitality, retail, consumer services or shared service centre experience would be beneficial.  * Strong knowledge of liquidity management, cash pooling, banking products, bank account administration, banking mandates, FX hedging, interest rate risk, debt facilities, guarantees and treasury controls.  * Proven experience managing a complex portfolio of bank accounts, online banking platforms, KYC requirements, authorised signatories, user access controls and treasury compliance activities across multiple entities and currencies.  * Experience preparing treasury reporting for senior finance leadership, with the ability to explain cash, debt, risk and liquidity matters clearly to non-treasury stakeholders.  * Hands-on experience with treasury management systems, with Kyriba desirable, alongside advanced Microsoft Excel and ERP exposure such as Oracle, SAP or similar platforms.  * Demonstrable control and compliance mindset, with experience designing, operating and improving treasury processes, governance documentation and audit-ready controls.  * You will need to be confident in dealing with senior stakeholders, banks, auditors and cross-functional teams, with strong written and verbal communication skills.  * Previous experience managing or supervising a small team is desirable, with the ability to coach others, prioritise effectively and deliver to demanding deadlines.  * The successful candidate will be pragmatic, hands-on and resilient, with strong attention to detail, sound judgement and the ability to improve processes in a complex and evolving organisation.   Benefits… Soho House offers competitive compensation packages that feature global benefits and perks. Whether you’re seeking entry-level employment or a new opportunity to expand your profession, we offer training to develop the technical and managerial skills necessary to grow your career. * Annual Every House Membership * 50% off Food & Drink, 7 days a week * Staff Room Rates * Private Health and Dental Care * Weekly Pay * Life Assurance * Up to 50% Staff Discount on Cowshed & Soho Home * In Office Dog Policy on Fridays * Season Ticket Loan * Christmas Office Closure * In conjunction with Soho Impact, take 2 days paid a year to support a charity of your choice. * Free Counselling Sessions * Cookhouse & House Tonic: Our Cookhouse & House Tonic programmes offer unique food and drink trainings, events and opportunities to inspire and educate. * Continuous training to develop yourself personally and professionally * Exclusive access to our benefits platform with hundreds of discounts on shopping, gym memberships, holidays, insurance and much more * Team Events: From fitness sessions to cinema screenings and art classes, each month we hold a series of fun events which you can sign up to.