Finance Manager (m/f/d) Liquidity Management

Ratepay • Berlin

  • Full-time


from today

Your duties

The BNPL ("buy now pay later") market has rapidly gained in importance; over half of all payments in the e-commerce sector are processed with products that Ratepay offers its customers. This has enabled Ratepay to grow rapidly in recent years. As part of the listed Italian Nexi S.p.A. (a leading international pay-tech group) and backed by internationally renowned private equity investors such as Hellman & Friedman, Advent International and Bain Capital, Ratepay is a leader in the white-lable BNPL market in the DACH region.

As Finance Manager (m/f/d) - Liquidity Management you will be responsible for the "back-bone" of our operations: short- and long-term liquidity planning. As of today Ratepay has a financing volume of >400m€, which we plan to further expand as part of our growth strategy. In this context, you will determine the financing needs for Ratepay's BNPL products, develop recommendations together with our Finance & Treasury team and report to both local management and our shareholders.  

Your tasks are:
  • Increasing transparency in the area of financing requirements by developing and optimizing liquidity management tools and models
  • Recommending actions through continuous updates of the financing models
  • Reflecting on new business developments and plans as well as mapping ABS and securitization structures
  • Pro-actively identifying trends, potential risks and optimization potential in the area of liquidity management
  • Close cooperation with the Structured Finance & Treasury department  
  • Implementation of real time monitoring through automation and pot. Machine Learning; you will work closely with our existing Data and Machine Learning teams.    
  • Detailed reporting in the form of presentations and memos to Ratepay management (esp. CFO) and our shareholders

Your profile

  • You have at least 3-4 years of operational work experience in the area of finance/ controlling/ treasury and/or have gained experience in one of the (Big Four) accounting firms (preferably in the area of valuation/ modeling)
  • You have a high affinity for fintechs (especially payment service providers) and the associated complexity
  • You have many years of experience in the area of financial modeling, have an excellent understanding of numbers and think in an extraordinarily analytical way
  • You have experience with "Big Data" and the analysis of complex issues
  • You have a degree in the field of business informatics, business administration, economics or similar, special qualifications such as CFA are an advantage
  • The handling of MS Office (especially Excel and Powerpoint) is part of your daily business; the handling of macros, VBA, SQL as well as knowledge in Python, object-based programming, databases and SAP BW are a plus.
  • In addition, you are a strong communicator and you prepare facts in a structured and addressee-oriented manner
  • You are result-oriented, work on your own initiative and always with the highest level of diligence
  • Very good German and business fluent English skills complete your profile

Our offer

  • A challenging job in a rapidly growing industry
  • Room for personal growth and professional development
  • Flexible working hours and mobile office options
  • A safe working environment with plenty of room for creativity
  • Trustful interaction in a welcoming team with flat hierarchies
  • Company and team events, knowledge exchange and the opportunity to contribute your ideas
  • Individual solutions to balance work and family life
  • Ratepay company pension plan
  • The opportunity to get involved in social projects as part of our sustainability initiative
  • Become a digital nomad: Work with Ratepay from any country within the EU for up to 3 months per year 

More information

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious views, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality.

Does that sound like an exciting challenge for you? Franziska, our Recruiter, is looking forward to your application.             

Join our team. Together we create the future of digital payments

Apply now