
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.
Our Values

- We walk the talk and do what we say we’ll do
- We are accountable for what we do
- We act like owners

- We focus on performance and deliver results
- We embrace change
- We never stop learning; we are curious

- We keep our standards high
- We act in line with stakeholder expectations

- We are team players and support each other
- We embrace constructive feedback
- We listen carefully and communicate in an open and honest way

- We put our customers first and create value for them
- We build state-of-the-art products for our customers – not solutions

- We trust and respect each other
- We create an inclusive environment and build diverse teams
- We challenge biases and combat stereotypes
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.
Risk Machine Learning – Powerful Algorithms, Robust Technology
We support Ratepay with resolving cases of fraud and credit losses. How? With tech, of course! Our automated, high-precision and self-improving Risk Decision Engine manages to defeat even the most advanced fraudsters. To solve the complex, ever-changing problems, we use agile working, with plenty of freedom for individual developments, research and prototyping. As a team, we practice a constructive culture of discussion, supporting one another with our very diverse range of skills.
Merchant Compliance Risk – Checking Who is (Permanently) Committed...
Just as in real life: before you enter into a permanent partnership, you need to be sure that it is definitely a good match. Ratepay even has a special team for this. We check potential contracting partners in view of specific business risks and in respect of their credit ratings, we ensure that no money laundering is taking place and no criminal offences are being committed – and so we protect Ratepay both from fraudsters and from miscalculations. If you have intuition, diligence and a fondness for figures as well as a desire for responsibility, open communication and a supportive team, then you are in the right place with us.
Consumer Risk - Fraud? Insolvencies? No Chance!
What really matters in the Consumer Risk team: an eye for detail and a feel for connections. Here, it is all about identifying fraud attempts and default risks as quickly as possible, and taking action to prevent them. Together with colleagues in the areas of Risk Machine Learning and Risk Analytics, we work to get the best out of the traffic and to strike a balance between risk management and customer satisfaction – providing ongoing support for our growth and our customers’ growth.
Risk Analytics – Data Lovers – This Way, Please!
Are you inquisitive? Do you love figures? And do you really get going with data sets of 100,000+ lines? So do we! What drives us? Uncovering hidden values. To do this, we analyse data and risks and we scrutinise business models and processes. We model the credit risk, focusing on fraud prevention and profitability analysis. In all of the above, we help Ratepay to minimise losses, increase yields and improve its position in the highly competitive market of payment providers. If you want a job with impact in an international team, come to us!