YOUR MISSION

Together with 220+ bright minds, you will work every day on customised solutions for large online retailers and marketplaces and design the payment solutions of tomorrow. The BNPL (buy now pay later) market has rapidly grown in importance. More than half of all payments in the e-commerce sector are processed with products offered by Ratepay. This has enabled us to grow rapidly in recent years and become one of the leading German fintechs.
Backed by top international private equity investors such as Hellman & Friedman, Advent International and Bain Capital, Ratepay is a fully owned subsidiary of Nexi Group, the largest payment service provider in Northern Europe.
As Treasury & Finance Manager (m/f/d) you will play a central role in the liquidity management and further expansion of Ratepay’s Financing. In addition to your focus on structured finance topics, your role includes the further development of the related processes, including forecasting/reporting.

ABOUT US

We dare to design the future of payments. Ratepay is energy and diversity and: custom-made state-of-the-art payment solutions. Established in 2009 we were a fintech before the word fintech even existed. Today we are the number one white-label Buy Now Pay Later payments provider in Europe handling over 2.5M transactions per month and we’re constantly growing.
We are where we are because we work together as one team. Because we got the freedom to execute ideas. And above everything: because we never stop improving. Here it is all about shared goals not about the big ego. We are dedicated pros (more than 250 of them) not cons. We embrace being courageous, committed and decisive, warm-hearted and having a will to win.
We have our origin in the heart of the payment scene and cover the whole value chain from integration support to the dunning process with a core of AI-based risk management. With us, you can integrate direct debit, instalments and prepayment. In other words: the favourite payment methods in Germany, Austria and Switzerland (the Dutch like it too). Located in the middle of Europe’s fintech metropolis (Berlin) we are proud to work with major partners such as Eurowings, Ebay and About You and hundreds more.

• You take the lead in regular liquidity planning and forecasting exercises and own and continue to further develop Ratepay’s forecasting model suite
• You will support the implementation of new financing structure initiatives and monitor and further develop Ratepay’s existing financing structures
• You monitor daily liquidity flows and improve our Cashflow monitoring
• You develop and implement operational short-term Liquidity Forecasting
• You support the implementation of a Liquidity Control Framework with sign-off matrix and early warning triggers
• You develop the Investment Strategy for excess cash in line with regulations as stipulated in ZAG (“Investment Portfolio”) and define risk and return profile with with an associated limit structure
• On occasions, you project manage lean teams of BIA and Data (Engineer) teams to develop and / or deploy relevant models and solutions (incl. definition of requirements, project management together with the PM and review and sign-off of results)
• You will monitor KPIs, conduct analyses and prepare presentations for stakeholders.
• You represent the team in group-wide projects