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

We'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 guardraisl

• 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)

• 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)

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