your mission
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)

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