Collection & Risk Operations Manager (m/f/d)

Your mission

W

e

're looking for an experienced Collections & Risk Operations Manager (m/f/d) to take ownership of key financial processes and help advance our mission of giving businesses fair, instant access to capital.

In this role, you'll own day-to-day financial operations and play a crucial part in payment reconciliation, underwriting, and customer communication - all while ensuring compliance and supporting our broader finance initiatives.

As an integral member of the finance team, you'll support the core risk and collections leads in their daily work: managing underwriting, driving operational debt recovery processes, active debtor communication, and collaborating cross-functionally to back business decisions with accurate, timely insights.

You'll also help us advance continuous improvement, automation, and operational excellence across the finance function.

If you're a proactive finance professional with at least two years of relevant experience and a hands-on approach, we'd love to hear from you.

WHAT

YOU WILL DO

• Reconcile payments daily
• Clarify open items and disputes with merchants and bring findings to customer success
• Respond to debtor inquiries (written and phone) and conduct active outbound outreach
• Follow up on open collections tickets through the dunning ladder
• Validate incoming invoices against defined policy guardrails
• Manage invoice corrections with merchants through to closure
• Handle manual risk approvals within defined policy guardrails
• Monitor the active receivable portfolio, flag deteriorating exposure and draft recommendations for action
• Take on an ownership project over the term (e.g., reporting automation, dispute root-cause analysis)
• Your profile
• At least 2 years of professional experience in B2B credit, AR/AP, collections, or trade-credit insurance.
• Advanced proficiency with Excel/ Google Sheets (pivot tables, lookups)
• and general MS Office/Workspace tools.
• Excellent attention to detail, problem-solving ability, and analytical mindset
• Autonomous, curious, collaborative, and creative - willing to challenge the status quo
• Excellent communication skills, with English at C1 level and German at B2 level.

Bonus points if you have

A Bachelor's degree, preferably in Finance, Business Law, or a related field.

Experience in business lending, Buy-Now-Pay-Later, payments, or ML-driven credit decisioning.

Fluency in French, Italian, or Spanish (C1 level)

Why us?

We ask you for nothing less than to help us to make a lasting change in how businesses do business. It's an invitation to an exciting journey with complex challenges, hard work and all the support needed to succeed as a team. Here is what we have for you:

Minimum 28 days of holiday per year

Dedicated personal development budget

Permanent contract from the start

Home office equipment support

Choose your own hardware

Flexible Benefit package (Spendit)

Referral bonus

Tilta Swag

Company offsites

Berlin Office with Barista

.. and most of all, growth opportunities