Team Lead Deposit Operations - Synchronised Model (m/f/d)

Raisin; Berlin (NH); Hybrid; USD 137,000 - 205,000; Full time

Benefits offered by this job

Employee Development Budget

Flexible working hours

Home office

Pension scheme

Urban Sports Club

Deutschland Ticket subsidy

JobRad

Snacks and fresh fruit

Relocation support

Job summary

Raisin seeks a Team Lead of Deposit Operations, Synchronised Models, to oversee high-frequency deposit flows and the operational backbone of our real-time marketplace. You will manage the Sync Model Team, ensure data integrity, and lead governance across partner interfaces while driving automation and risk mitigation.

You will collaborate with Product, Tech, and DtB partners to optimize processes, scale onboarding of new partners, and maintain regulatory compliance in a complex, multi-market

Qualifications

• Demonstrated experience in Operations/FinTech with Raisin-like platforms.
• Familiarity with internal ledger systems and high-frequency transaction flows.
• Strong governance and four-eyes principle controls in real-time processes.
• Ability to manage cross-functional teams and partner relationships to improve processes.

Responsibilities

• Execute and supervise real-time payment flows and corrective postings.
• Perform daily reconciliations between ledgers and partner data; investigate discrepancies.
• Lead liaison for Sync Model DtBs; monitor interface uptime and latency per reg requirements.
• Coordinate technical upgrades and ensure rollouts maintain data integrity and stability.
• Partner with Product and Tech to define operational requirements and drive automation.

Skills

Leadership

Regulatory compliance

Data integrity

High-frequency systems

Operations management

Tools

Portal integration

Automation integration

Real-time systems

Job description

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.

Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns.

Team

The Synchronised Model Deposit Operations Team is a specialized unit within the Operations Department responsible for the technical and operational management of real-time deposit flows for partners using Portal, Hybrid, and Automation integration models. In these models, the Deposit-taking Bank (DtB) remains the source of truth for the deposit ledger, and the team ensures Raisin’s systems stay aligned with the bank's records.

Your Responsibilities

As a Team Lead of Deposit Operations, Synchronised Models, you are the technical and operational backbone of our real-time marketplace. You manage the Sync Model Team and high-frequency "Sync Model" deposit flows, ensuring that billions in transactions and deposit data are processed on time with precision and regulatory compliance.

• Payment & Sync Governance: Execute and supervise real-time automated payment flows. You perform manual interventions and corrective postings under the four-eyes principle to resolve synchronization lags and ensure transaction finality.
• Data Integrity & Reconciliation: Conduct daily high-frequency reconciliations between internal ledgers and partner bank data. You investigate "out-of-sync" scenarios to ensure permanent data parity and maintain audit-proof documentation.
• Partner & SLA Management: Serve as the primary operational liaison for Sync Model DtBs. You monitor interface uptime and latency in accordance with regulation, leading root cause analyses for any technical drifts.
• Technical Integration: Coordinate tech enhancements and system releases. You lead Operational Validation to ensure that technical rollouts maintain system stability and data integrity.
• Process Optimization: Partner with Product and Tech to refine processes and deposit logic. You provide the operational requirements for new features, driving automation and scaling the onboarding of new partners while mitigating operational risk (OpRisk).

Your Profile

• Raisin & Deposit Ops Experience: Demonstrated track record within Operations/FinTech, with a solid understanding of Raisin’s internal ledger systems, high-frequency transaction flows, and reconciliation practices.
• Technical Integration & Governance: Familiarity with integration models (Portal, Hybrid, or Automation) and experience executing four-eyes principle controls to resolve sync lags.
• Leadership & Stakeholder Management: Proven ability to lead/mentor team members and collaborate across Product, Tech, and DtB partner contacts.
• Risk & Process Mindset: Strong attention to detail with a focus on operational risk (OpRisk) mitigation, SLA compliance, and driving automation enhancements.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Raisin Applicant Privacy Policy

We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.

We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.