Senior Risk Manager Payments (m/f/d)

Ratepay GmbH; Deutschland; Vor Ort; EUR 60.000 - 80.000; Vollzeit

Zusammenfassung

A leading payment solutions provider in Germany seeks a Senior Risk Manager to oversee fraud risk and optimize scoring processes. The ideal candidate has ecommerce experience and can navigate cross-functional teams. We offer flexible working hours, remote work options, and a vibrant community committed to diversity and development.

Leistungen

Flexible working hours

Remote work options (up to 8 weeks a year)

28 vacation days per annum

Financial security including pension plan

Monthly lunches

Learning and development access

Gym membership or public transport allowance

Dog-friendly workplace

Qualifikationen

• Experience in ecommerce, payment, or banking industry.
• Relevant expertise in credit or fraud risk management.
• Ability to thrive in cross-functional projects.
• Advanced data analysis skills in SQL and beginner skills in Python.

Aufgaben

• Monitoring key performance indicators related to fraud and credit risk.
• Optimizing automated scoring processes through risk analyses.
• Evaluating risks in new product developments.
• Specifying business requirements for system and tool improvements.

Kenntnisse

Ecommerce experience

Credit risk management

Fraud risk management

Data analysis skills in SQL

Beginner Python skills

Clear communication in English

Tools

Python

SQL

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.

Tasks

• 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 use as well as optimize processes within your team in terms of scalability and operational excellence.

Requirements

• 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.
• It is easy for you to communicate clearly and effective with team members, merchants/partners and other departments in English (German is a plus).

Benefits

• 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 great 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 remote (Up to 8 weeks a year)
• 28 vacation days per annum (+ 24th&31st Dec free)
• 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
• Ratepaw community: Our office has a floor which is dog-friendly. So, bring your pawsome pet to work when needed.

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. With over 200 employees and 40 different nationalities, we take our values seriously. These include ownership, growth, integrity, collaboration, customer centricity and inclusion.