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ABOUT PLEO Messy spend management is tricky business. And tedious processes are a lose-lose situation for all involved, not just finance. At Pleo, we're changing that. We build spend solutions that make managing money seamless, empowering, and surprisingly effective for finance teams and employees alike - with a vision to help all businesses ‘go beyond’. The word ‘Pleo’ actually means ‘more than you’d expect’, and living by that mantra has been the secret to our success over the last 10 years. Now, we’re at a pivotal moment in our journey; every move we make has a direct impact on our 40,000+ customers, our business, and our collective success. We need people who take pride in uncovering customer needs, who turn complex problems into simple solutions, challenge the way things are done (respectfully), and always aim high. With great ambitions driving us forward, we can’t say we’ve got this whole thing figured out. And frankly, that’s half the fun! What we can say is that we’re a driven, progressive, and, importantly, a kind bunch of 850+ people from over 100 nationalities, all committed to delivering the future of business spending, together. We're looking for a Manager to join our Risk & Control team at Pleo. In this role, you'll operate as a key part of our Second Line of Defence, helping to strengthen the risk management framework that underpins everything we do — from our product to our regulatory relationships. You'll work at the intersection of risk expertise and business partnership, offering thoughtful challenges and practical guidance to our First Line teams as we continue to scale. If you're excited by the prospect of shaping how a fast-growing FinTech approaches risk maturity, and are passionate about building robust, pragmatic control environments, this is the role for you. WHAT YOU’LL BE DOING As a Risk Manager, you will: - Strengthen our risk framework – Contribute to the design, implementation, and continuous improvement of Pleo's 2LOD risk management framework, ensuring it remains aligned with regulatory expectations and our evolving business strategy. - Review and challenge the First Line – Execute effective oversight activities of the 1LOD, assessing the quality of risk identification, control design, and ongoing management across the business. - Be a trusted risk partner – Act as a go-to advisor for business teams and 1LOD stakeholders, providing expert guidance on risk topics, regulatory change, and the broader control environment. - Drive insightful risk reporting – Support the development and preparation of clear, data-informed risk reports for senior management and relevant governance committees, surfacing key risk exposures and control gaps. - Support regulatory engagement – Contribute to interactions with regulators on risk and control matters, drawing on your subject matter expertise to support well-prepared, credible responses. WHAT YOU BRING YOU’LL THRIVE IN THIS ROLE IF YOU HAVE: - Solid financial services experience – Around 5–7 years of experience in a regulated financial services environment (FinTech, banking, payments, or similar), with at least 3 years focused on risk or control management. - Credit risk experience - A solid understanding of the assessment and management of credit risk - A strong risk and control foundation – A professional background rooted in risk management and control functions, with hands-on experience in execution and assurance activities. Experience spanning both 1LOD and 2LOD is a real plus. - The ability to influence – A proven track record of engaging and influencing stakeholders on complex or sensitive risk topics, with the confidence to challenge constructively and the credibility to be heard. - Clear, collaborative communication – The ability to translate risk concepts into practical, accessible language for a range of audiences, from technical teams to senior leadership. - A pragma