(Senior) Operations Payment Manager (m/f/x)

Scalable Capital; München; On-site; EUR 90,000 - 120,000; Full time

Benefits offered by this job

Relocation support

Education budget

German language classes

Company pension scheme

PRIME+ Broker subscription

Urban Sports Club

Job summary

Scalable Capital, a leading fintech with a full banking licence, seeks an experienced professional to own daily reconciliation, SEPA payments, and liquidity management in Munich. You will design scalable processes, identify optimization opportunities, and guide a team to ensure top-quality execution.

You will coordinate with external partners to manage liquidity and payments in a fast-growing environment. Requirements include banking apprenticeship or finance degree and several years in

Qualifications

• Fluent English (written and spoken) is required; German is a plus.
• Completed banking apprenticeship or a Bachelor’s degree in finance or equivalent.
• Several years of experience in financial services; back/middle office experience preferred.
• Deep knowledge of payment and banking processes (SEPA payments, account reconciliation) and related backend technologies.

Responsibilities

• Own end-to-end daily reconciliation, SEPA payment processing, and liquidity management.
• Design scalable processes from scratch and identify optimization opportunities.
• Supervise and mentor team members to ensure high quality and flawless execution.
• Evaluate complex cash transaction analyses, make fact-based decisions, and align with stakeholders.
• Coordinate communication with external partners (trustees, central banks, service providers) for liquidity management and SEPA payments.

Skills

English fluency

Communication skills

Ambiguity handling

Stress resilience

Education

Banking apprenticeship

Bachelor’s degree in finance

Job description

Scalable Capital is a leading digital investment and banking platform with a full banking licence, empowering people across Europe to shape their own finances. Scalable Broker makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives, as well as set up savings plans. Scalable Wealth, the digital wealth management service, offers clients professional investment in ETF portfolios, and is also adopted as a white-label solution by banks and other B2B partners. The company’s offerings are rounded off by attractive interest rates, loans, and private equity. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. Over one million clients have already entrusted more than €30 billion to the platform. Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team, including Erik Podzuweit and Florian Prucker, they are working on a new generation of financial services.

Visit our finance blog or check out our Social Media channels to find out what our Expert Teams have to say. Our Company Values guide us every day in how we work and collaborate. To learn more about them, you can find our values here (English).

Scalable Capital is a leading digital investment and banking platform with a full banking licence, empowering people across Europe to shape their own finances. Scalable Broker makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives, as well as set up savings plans. Scalable Wealth, the digital wealth management service, offers clients professional investment in ETF portfolios, and is also adopted as a white-label solution by banks and other B2B partners. The company’s offerings are rounded off by attractive interest rates, loans, and private equity. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. Over one million clients have already entrusted more than €30 billion to the platform. Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team, including Erik Podzuweit and Florian Prucker, they are working on a new generation of financial services.

Visit our finance blog or check out our Social Media channels to find out what our Expert Teams have to say. Our Company Values guide us every day in how we work and collaborate. To learn more about them, you can find our values here (English).

Job Description

• You will take end-to-end ownership of daily reconciliation, SEPA payment processing, and liquidity management, ensuring operational continuity and restoring processes in case of outages
• You will design scalable processes from scratch, identify optimization potential beyond your immediate scope, and prioritize improvement initiatives to achieve operational excellence as well as eliminate operational risks and control gaps
• You will supervise, guide, and mentor team members below your level to ensure high quality standards and flawless execution across the team
• You will evaluate complex cash transaction analyses and solution proposals, make fact-based decisions, and align with internal stakeholders across various seniority levels
• You will coordinate and be responsible for communication with external partners for liquidity management and SEPA payments like trustees and central banks as well as service providers

Qualifications

• You successfully completed a banking apprenticeship or a Bachelor’s degree in finance, accounting, or equivalent
• You gained multiple years of experience in financial services; involvement in a bank’s middle or back office is preferred
• You have deep, comprehensive knowledge of payment and banking processes, such as SEPA payments and account reconciliation, including the backend technologies and external partner dependencies
• You are able to deal with ambiguity, evaluate results, make fact-based decisions, and update relevant stakeholders while managing competing business-critical priorities
• You show composure in stressful, time-sensitive situations that require a quick and diligent response
• You have excellent verbal and written communication skills and are fluent in English (written and spoken); German is a plus

Additional Information

• Be part of one of the fastest-growing and most visible Fintech startups in Europe, creating innovative services that have a substantial impact on the lives of our customers
• Work with an international, diverse, inclusive, and ever-growing team that loves creating the best products for our clients
• Be productive with the latest hardware and tools
• Learn and grow by joining our in-house knowledge sharing or career development sessions and spending your individual Education Budget
• Learn and experience German culture first hand by joining our free German language classes
• International relocation support is provided if required
• Opportunity to work from abroad
• Benefit from an attractive compensation package and from the company pension scheme
• Monthly contribution of 50% for the ‘Deutschland Jobticket’
• Say goodbye to order commissions and say hello to your complimentary subscription of Scalable Capital's PRIME+ Broker
• Enjoy flexible and discounted sports activities with Urban Sports Club