Senior Product Manager / Product Owner - Payments (m/f/d)

Ratepay • Berlin

  • Full-time


from today

Your duties

About Us: Welcome to RatePay, Europe's No. 1 white-label payment provider - We exist so consumers can pay easily, conveniently and safely online. 

Established in 2009, Rate Pay is Europe's leading white-label BNPL payment provider. 
50% of German shoppers have already paid with RatePay, we manage approx. €4.7 billion in transactions and handle approx. 2.5M transactions per month. 
Our products include instalment payments with immediate online confirmation, open invoice, direct debit, and prepayment but what makes us different is that we put our consumers totally in control. 
How? Because we don't act as a payment "brand" in-between our Merchant or Customers, but rather a technology service. 
Through our 350+ commercial partnerships we take care of payment transactions for many of the largest online shops & payment providers such as such as Eurowings, About You, PayPal, eBay and many more. 

Our Vision: To empower commerce, that seamlessly and sustainably connects customers, businesses, and financial partners. 
Our Mission:  To enable payments by radically simplifying the way businesses and their customers conduct financial transactions, by developing state-of-the-art customer-centric technology, and placing people, society and the environment at the core of our actions

Your Mission:
My name is Carlos and I am a director of product for Ratepay. 
This is a very exciting to join the business as we have a number of new and innovative projects underway as we look to expand our offering into 2023 and beyond. Furthermore, we're building a new all-star product team that sits within the payments domain that will work directly with me. I want to make a payment engine that helps Ratepay reach more businesses with its buy-now-pay-later product. 

This involves setting up complex software-based financial accounting systems, connecting our systems to payment schemes in multiple countries, and creating software to help our treasury teams manage a portfolio of unsecured loans. 
In this context, I am looking for a Product Manager (m/f/d) to help me. I value passion, and obsessive attention to detail (aka craftsmanship). I work well with people that are curious and are hungry to learn more. Here are some high-level details, but there are more tasks involved. 

Your Focus
Payments: Build a payment engine. This includes creating something slick and functional, including integrating multiple payment methods, beautifully simple payment processing, and programmable APIs so other teams can build faster. 
Accounting: Continually improve the dataset and architecture of our accounting platform that supports the interactions between our customers and our finance team. 
Software engineering: Work closely with our engineers on the entire stack using Java for interphase connections and ABAP for SAP

Your profile

  • At least 5 years of relevant experience in product management 
  • Credible experience in Payments, ideally well-versed in ApplePay/Google Pay etc and preferably in a FinTech company, but not essential.
  • You have technical acumen and experience managing cross-functional Agile/Scrum teams comprising engineers 
  • Have worked closely with stakeholders, particularly in a Finance department, such as; Accounting, treasury, controlling, etc.
  • You know the payments/e-commerce industry well and your heart beats for innovative payment solutions; experience working with OKRs is a plus.
  • Have working experience in agile software development.
  • Good English skills, both written and spoken.

Bonus experience:

  • Experience working with Financial Accounting/ Controlling platforms, such as SAP, MAMBU, etc. 
  • Bachelors or Masters in Business Administration or Finance/ Economics or similar fields.
  • Working with SAP Developers/Consultants 

Our offer

  • Flexible working hours and mobile office options for individual solutions to balance work and family life
  • A safe working environment with plenty of room for creativity
  • Room for personal growth and professional development
  • Trustful interaction in a welcoming team with flat hierarchies
  • A challenging job in a rapidly growing industry
  • Company and team events, knowledge exchange and the opportunity to contribute your ideas
  • 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
  • A monthly mobility budget
  • Relocation assistance (not a guarantee)

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. 
With over 250 employees and 40 different nationalities, we take our values seriously. These include; ownership, growth, integrity, collaboration, customer centricity and inclusion (4/7 of our C-Level Board members are female). 

Does this sound like an exciting challenge for you? Nathan is looking forward to receiving your application!

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.

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

Apply now