Senior Risk Manager (m/f/d)

RatePAY; Deutschland; Hybrid; EUR 70.000 - 90.000; Vollzeit

Zusammenfassung

A prominent payment solutions company in Germany is seeking a Senior Risk Manager to oversee risk management strategies that enhance merchant satisfaction while preventing fraud and credit defaults. You will analyze key performance indicators and collaborate across teams to improve risk processes utilizing SQL and Python. This position offers flexible working hours, the option to work remotely, and a vibrant community culture, making it an exciting opportunity for professionals in the ecommerce and payment industry.

Leistungen

Flexible working hours

Ability to work remotely (EU for up to 4 weeks)

28 vacation days per annum

Financial security including pension plan

Monthly lunches

Learning and development access

Gym membership or transport allowance

Dog-friendly office environment

Qualifikationen

• Working experience in ecommerce, payment or banking industry.
• Relevant experience in credit- and/or fraud risk management.
• Ability to manage risks in new product developments.

Aufgaben

• Monitor and steer key performance indicators.
• Optimize automated scoring process through risk analyses.
• Partner with teams and merchants to manage consumer risk.
• Specify business requirements for system development.

Kenntnisse

Experience in ecommerce, payment or banking industry

Credit and fraud risk management

Data analysis skills in SQL (advanced)

Basic knowledge of Python

Effective communication in English

Jobbeschreibung

Your Mission

Together, we work every day on customized solutions for large online retailers and marketplaces and design the payment solutions of tomorrow.

As a Senior Risk Manager (m/f/d) in our risk department, you understand risk management as an area of tension between merchant satisfaction, end customer satisfaction and risk mitigation. In doing so, you prevent merchants, their buyers and Ratepay from fraud and credit risk defaults and thus have a significant influence on our contribution margin.

Key Responsibilities

• Monitoring and steering key performance indicators such as probabilities of defaults, fraud rates and acceptance rates are part of your daily work.
• You continuously optimize the automated scoring process through risk analyses in Python and SQL in close collaboration with other teams like Data Science, Business Analytics, IT, Commercial and Legal.
• You are the go‑to partner for internal teams and merchants/partners when it comes to managing consumer risk. This involves evaluating risks in new product developments, contributing risk insights to pricing calculations, and supporting business growth through guidance on improving traffic quality and conversion performance.
• You specify the business requirements for the further development of the systems and tools your department uses as well as optimizing processes within your team in terms of scalability and operational excellence.

That's What You Bring Along

• You have working experience in the ecommerce, payment or banking industry and relevant experience in credit- and/or fraud risk management.
• Striving for operational excellence while maintaining a strategic, holistic view and considering the impact of decisions on the team and stakeholders is part of your approach.
• Experience in cross‑functional work/projects as well as data analysis skills in SQL (advanced) and Python (beginner) complement your profile.
• You communicate clearly and effectively with team members, merchants/partners and other departments in English (German is a plus).

That's How Working With Us Will Be

We're more than just a workplace – we're a vibrant community of innovators, collaborators, and visionaries who love what we do and reward those who work with us. Here, your career isn't just a job. It's an opportunity to thrive, learn, and make a difference. Take a look at these personalised benefits of working at Ratepay. On a monthly basis, you can choose between mobility, fitness, food, training and much more.

• Flexible working hours
• Work remotely (EU for up to 4 weeks a year)
• 28 vacation days per annum
• Financial security including pension plan
• Monthly lunches
• Learning and development (access to various self-development platforms such as language learning and skills enhancement)
• Gym membership or public transport allowance
• Ratepay community: Our office has a floor that is dog‑friendly. Bring your pawsome pet to work when needed.

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality, we take our values seriously. We embody ownership, growth, integrity, collaboration, customer centricity and inclusion. With over 200 employees and 40 different nationalities, we take our values seriously.