Job Description

Opy USA is part of the Openpay Group Family (ASX: OPY).  We are an omni-channel payment solution that provides customers with flexible, interest-free payment plans, in-store, online and through the Openpay App. Available in Australia, New Zealand, and the UK, we are preparing for our US where we will help people pay smarter across loads of industries including retail, healthcare, automotive, home improvement and more.

In doing so we're changing the way people pay, for the better, and we'd love you to join us in our mission. As an established Australian business, we're continuing to supercharge our growth by turning the US market Amber. That's right, “Aussie Amber” (our marketing team nailed that one!) This Amberfication is supported by our growing US team and we are looking for a PRODUCT DATA AND RISK STRATEGY LEAD to join us.

ABOUT THE OPPORTUNITY

In this role you will enable Opy USA's market expansion, profitability improvement, and risk management through data-driven enhancements to the US product set and associated capabilities, including underwriting methods, customer experience, transaction monitoring, and marketing strategies.  Some of your responsibilities will include:

• Developing and implementing strategies for:
  • Enabling greater penetration, lower delinquency, and more profitable performance among subprime and thin/no file consumers
  • Leveraging alternative data to enhance product design, consumer access, and conversion
  • Leveraging consumer-authorized data to enhance further product performance
• Helping to define the product vision and strategy for Openpay's US Offerings with the help of the Chief Product & Compliance Officer and Product Managers
• Integrating risk and expansion strategies into roadmaps and engagement/experience plans for key external stakeholders, including consumers, merchants, and funding partners; balance short- and long-term goals and investments
• Identifying, vetting and integrating potential business and technical partnerships key for product development in areas related to identity verification, fraud management, and credit risk management
• Supporting development and enhancement of AML, FCRA, ECOA and related compliance strategies 
• Leading product development initiatives, aligning key internal and external stakeholders, including leadership team, on prioritization, resourcing, and reporting 
• Liaising with technology teams for seamless transition of business requirements to functional requirements and release management 
• Building strong, collaborative relationships across risk management, strategy, development, finance, compliance, and commercial teams
• Managing key vendor relationships

ABOUT YOU

We believe every new team member has an opportunity to add to our culture – we're a vibrant team of Podcasters, Ultra-Marathoners, Dancers, Gin-Distillers, Students, Marshall-Artists and more, so we're looking for people who want to be part of a diverse and ever changing team.

To be successful in this role, you will need:

• 8+ years of relevant work experience in payments at a fintech, financial institution, retailer or E-commerce; prior experience in consumer lending / BNPL space is a plus
• A strong understanding of the consumer credit and financing markets, including BNPL and credit cards, virtual cards, and the rules and regulations surrounding BNPL
• Deep knowledge of consumer reporting markets, including stakeholders and business models related to alternative data and fraud and credit risk management solutions
• Demonstrated track record of working with payments companies as partner, vendor, or supplier
• Experience in building, managing and leading a high-performing product design team in a fast paced environment
• The proven ability to work with product stakeholders across multiple geographies to build comprehensive product strategies
• The ability to quickly build relationships with key partners across the enterprise
• A aillingness to roll up sleeves in a start-up like environment
• The ability to adapt to fast growth and organizational expansion

Being part of a growing Fintech means you'll need to be self-starter with high energy, motivation and focus on achieving targets. You'll crave the unknown and be excited by the opportunity to challenge yourself every day. As we grow, we change, so you'll be flexible, willing to evolve as our systems and processes do. Always tenacious, you'll relentlessly pursue opportunities and will be quick to bounce back if you encounter a setback. Most importantly, you'll be kind. Our team appreciate each other and support each other (particularly this year) so you'll want to be part of that team spirit.

IF THIS SOUNDS LIKE YOU, WE'D LOVE YOU TO APPLY NOW!

At the moment our Team are working remotely, and we will be able to onboard you from home! We are serious about growing our presence in the US and this role will be critical in enabling that. We will support you to hit the ground running in our supportive and collaborative environment.

Opy USA is an equal opportunity employer committed to providing a working environment that embraces and values diversity and inclusion. If you have any support or access requirements, we encourage you to advise us at time of application.

Opy USA will not accept emails, phone calls and CV's from recruiters.