Portfolio Manager for Wholesale Banking

Pactum Collections GmbH; Milano; Ibrido; EUR 50.000 - 90.000; Tempo pieno

Descrizione del lavoro

An established industry player in the FinTech sector is seeking a dedicated Portfolio Manager to enhance their wholesale lending portfolio. This role is pivotal in ensuring the health of the portfolio, identifying growth opportunities, and driving operational efficiencies. The ideal candidate will have extensive experience in credit risk management and portfolio oversight, contributing directly to the strategic goals of the organization. With a commitment to innovation and employee growth, this company offers a hybrid work environment and numerous professional development opportunities, making it an exciting place to advance your career in finance.

Servizi

Hybrid & Flexible Work

LinkedIn Learning

Workation Programme

Share Purchase Matching Programme

Competenze

• 5+ years’ experience in portfolio management or credit risk.
• Proven ability managing institutional loan portfolios (€5M–€30M).

Mansioni

• Oversee portfolio management activities and track collateral data.
• Lead initiatives to automate portfolio monitoring and reporting processes.

Conoscenze

Portfolio Management

Credit Risk Management

Financial Statement Analysis

Covenant Monitoring

Analytical Skills

Communication Skills

Formazione

Bachelor’s degree in Finance, Economics, Accounting

Master’s degree or certifications (CFA, FRM)

Descrizione del lavoro

At Multitude, we’re more than just a listed European FinTech company—we’re a team driving financial innovation. We provide digital lending and online banking services that empower consumers, SMEs, and FinTechs to grow and succeed.

Powered by our Banking-as-a-Service Growth Platform, we operate through three business units: Ferratum, offering seamless mobile banking for consumers; CapitalBox, providing flexible financing for SMEs; and Multitude Bank, supporting non-bank lenders and FinTechs.

In 2024, we achieved €263.7 million in revenue and €20.2 million in net profit, reflecting strong financial growth. With 700+ employees across 25 countries, we’re shaping the future of finance in 17 markets. Founded in 2005 in Finland, Multitude is proudly listed on the Frankfurt Stock Exchange (FRU).

Multitude Bank, regulated by the Malta Financial Services Authority, specialises in wholesale banking. As part of Multitude Group, it provides credit facilities and payment solutions to non-bank lenders and FinTechs, helping them scale operations. With a strong focus on security, innovation, and financial ecosystem growth, it plays a key role in Europe’s evolving digital finance landscape.

As a Portfolio Manager, you will play a critical role in monitoring the performance of our wholesale lending portfolio, identifying opportunities for growth, and ensuring high standards of credit risk management. This role directly contributes to Multitude Bank’s strategic goals by ensuring portfolio health, uncovering cross-sell opportunities, and driving operational efficiencies through automation.

Your focus:

• Oversee portfolio management activities including tracking collateral data, collecting company financials, and maintaining related reports.
• Monitor financial covenants and conduct regular trend analysis to assess portfolio performance and flag early warnings.
• Lead initiatives to automate portfolio monitoring and reporting processes to enhance data accuracy and efficiency.
• Prepare comprehensive client performance reports to support sales initiatives and identify credit risks.
• Conduct profitability analysis on clients and consolidate results for strategic portfolio review.
• Identify cross-selling opportunities and communicate these insights to Investment Managers.
• Perform detailed macroeconomic and industry trend analyses to support strategic decision-making.

Required skills & qualifications:

Must-have:

• Bachelor’s degree in Finance, Economics, Accounting, or related field.
• Minimum of 5 years’ experience in portfolio management or credit risk within financial services.
• Proven ability managing institutional loan portfolios (€5M–€30M ticket size).
• Strong expertise in covenant monitoring, financial statement analysis, and cash flow evaluation.
• Experience in preparing performance reports and identifying commercial opportunities.
• Advanced analytical skills with high attention to detail.
• Excellent communication and stakeholder collaboration abilities.
• Understanding of regulatory requirements in banking and risk management.

Nice-to-have:

• Master’s degree or certifications (CFA, FRM).
• Experience working in remote, cross-border financial institutions.

We offer:

At Multitude, we believe in empowering our employees to thrive personally and professionally. Here's what you can look forward to:

• A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture.
• Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe.
• A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement.
• Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards.
• Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive.

We’re looking for someone passionate about portfolio risk and growth opportunities—if that sounds like you, we’d love to meet you. Apply now and shape the future of digital banking with us.

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