Senior Risk Manager Payments (m/f/d) at Ratepay
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Your Mission
As a Senior Risk Manager 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.
* Continuously optimizing the automated scoring process through risk analyses in Python and SQL in collaboration with Data Science, Business Analytics, IT, Commercial and Legal.
* Acting as go‑to partner for internal teams and merchants/partners when managing consumer risk, evaluating risks in new product developments, contributing risk insights to pricing calculations, and supporting business growth by improving traffic quality and conversion performance.
* Specifying the business requirements for further development of systems and tools used by the department and optimizing processes in terms of scalability and operational excellence.
Requirements
* Working experience in ecommerce, payment or banking industry with 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.
* Experience in cross‑functional work/projects plus data analysis skills in SQL (advanced) and Python (beginner).
* Clear and effective communication in English; German is a plus.
Benefits
* Flexible working hours; monthly: choose between mobility, fitness, food, training and more.
* Work remotely 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.
* Ratepay community: dog‑friendly office floor allowing pets.
Details
* Seniority level: Director
* Employment type: Full‑time
* Job function: Finance
* Industries: IT Services and IT Consulting
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.
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