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Risk Management

Grow with us

Our Ratepay family consists of many diverse personalities. Together, we take on responsibility and we grow, personally as well as professionally. We constantly improve ourselves. With passion, openness and a lot of heart. There are many good reasons to start your personal growth journey at Ratepay. Here is what our colleagues say.

Anisha
Anisha
Senior BI Engineer
  1. What has been a project, moment or experience that was crucial to your personal growth at Ratepay?
    Monitoring key risk metrics is crucial to Ratepay’s business performance. The data team worked together to enable reporting on Risk KPIs and automated this process so that tracking these KPIs has become a much more efficient process. The Risk Management team is now able to use this information to gain better insights into these key metrics.
  2. What do you particularly like about Ratepay?
    Relocating from another country can be very challenging especially when you are new to the country and unfamiliar with the language. Ratepay was very supportive and made the relocating process much smoother for me. At Ratepay, I have had the opportunity to work with a lot of smart and inspiring people, who made me feel welcome from day one and it has been a fun ride ever since.
  3. Why is your team looking for more colleagues? 
    The demand for data-driven insights has been increasing steadily. Our team has been working with stakeholders across various departments to enable them to get a better picture of their business processes and key KPIs. As Ratepay grows, we need more people on board to meet this ever-growing demand for data.
Ian
Ian
Risk Analyst
  1. What has been a project, moment or experience that was crucial to your personal growth at Ratepay?
    We are creating scalable solutions to ensure Ratepay’s future growth. Interacting with colleagues from different teams always results in a learning moment, be it technical or cultural. We first have to be aligned on what we’re trying to solve before exploring potential solutions. The alignment phase is always filled with interesting moments.
  2. What do you particularly like about Ratepay?
    Working with such diverse colleagues, diverse also in the sense of cultural and professional backgrounds. It’s great to be exposed to different ways of thinking.
  3. Why is your team looking for more colleagues?
    We would like to fully utilize the data at our disposable to contribute to Ratepay’s growth. We believe that a proficient use of data would unlock new possibilities for Ratepay.
Julia
Julia
Sachbearbeiterin Consumer Risk
  1. What has been a project, moment or experience that was crucial to your personal growth at Ratepay?
    I am particularly proud of my personal development, both personally and professionally. At Ratepay, I now feel that I have finally arrived where I want to be. Tracking down and stopping fraudsters is meaningful and very motivating work for me. In the months I've been with Ratepay, I've learned an incredible amount and grown with each new task.  Fraud screening was a new and exciting field for me. I found the initial training super, even if it was only online due to the Corona situation. I felt welcome and integrated into the team from day one. 
  2. What do you like most about Ratepay?
    Definitely the wonderful people at Ratepay. The team I work in alone is unique, colorful, human, cool and fun. And I've also had the opportunity to meet a lot of great people across other teams, as well. What I also like about Ratepay is that appreciation plays an important role and great importance is attached to ensuring that colleagues feel comfortable and can develop freely. I also really appreciate the corporate culture here. For example, the opportunity to work in a mobile office or to be able to organize my working hours flexibly. Communication is open and transparent and always at eye level. 
  3. Why is your team looking for more colleagues?
    The big issue we are working on in Consumer Risk is to recognize fraud patterns even better and faster in order to be able to detect as many fraudsters as possible. To do this, we can never have enough good noses in our team. We are the right place for you if you want a varied and exciting working day in a company where you can develop freely and are offered a lot at the same time.
Stephan
Stephan
Head of Data
  1. What has been a project, moment or experience that was crucial to your personal growth at Ratepay?
    I started as a Database Administrator (DBA) at Ratepay. After a year, I took over the data warehouse team and built a DBA team. Today I am Head of Data.
  2. What do you particularly like about Ratepay?
    The many opportunities for personal development, the complexity of the subject matter and, above all, the colleagues.
  3. Why is your team looking for more colleagues?
    The world has never changed as fast as it does today and it will never change as slowly as it does today. Ratepay's need for data and insights is increasing daily, while technological development is driven by a multitude of flux compensators (at 1.21 gigawatts). To keep up with our demands for high quality, we need more support and are looking for more team members.

Our Values

Ownership
Ownership
  • We walk the talk and do what we say we’ll do
  • We are accountable for what we do
  • We act like owners 
Growth
Growth
  • We focus on performance  and deliver results
  • We embrace change
  • We never stop learning; we are curious
Integrity
Integrity
  • We keep our standards high
  • We act in line with stakeholder expectations
Collaboration
Collaboration
  • We are team players and  support each other
  • We embrace constructive feedback
  • We listen carefully and communicate in an open and honest way
Customer Centricity
Customer Centricity
  • We put our customers first and create value for them
  • We build state-of-the-art products for our customers – not solutions
     
Inclusion
Inclusion
  • We trust and respect each other
  • We create an inclusive  environment and build diverse teams
  • We challenge biases and combat stereotypes
What there is to know about this department:
RISK MANAGEMENT

In Risk Management we practice operational excellence, think analytically, fight fraud and are developing a self-improving risk engine – always with the aim of boosting sales for our customers at the same time as minimising risk. Every day, the Consumer Risk team therefore goes on the hunt for fraudsters, ensuring that fraud patterns can be detected automatically in the future, whilst colleagues in the Merchant Compliance Risk team are dedicated to the fight against money laundering. The Risk Machine Learning team investigates and develops options for risk prevention using AI and software. And finally, in the Risk Analytics team, all the threads, or data, are drawn together.