(Senior) Payments Manager (f/m/d)

<div class="content-intro"><p class="sc-gEkIjz cjtSrT MuiTypography-root MuiTypography-body1 sc-hoLEA">Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the <strong>FinTech</strong> connects consumers with banks in the EU, the UK and the US. This gives consumers <strong>better interest rates</strong> and banks a <strong>diversified form of refinancing</strong>. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.</p> <p class="sc-gEkIjz cjtSrT MuiTypography-root MuiTypography-body1 sc-hoLEA">Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from <strong>more than one million investors</strong> which have accrued over 5 billion euros in returns.</p></div><p><span style="color: rgb(0, 0, 0);"><strong>Team</strong></span></p> <p data-start="135" data-end="472">The Payments team at<strong> Raisin Bank</strong> ensures the secure, compliant, and efficient execution of all money movements across Europe. As part of a fully licensed bank, the team manages the end-to-end payment lifecycle, from customer transactions to partner settlements, supporting Raisin’s retail platform and B2B Banking-as-a-Service offerings.</p> <p data-start="474" data-end="691">By combining experienced payments experts with ambitious professionals, the team drives operational excellence while working closely with Product and Engineering to automate and continuously improve payment processes.</p> <p><span style="color: rgb(0, 0, 0);"><strong>Your Responsibilities</strong></span></p> <ul> <li>Lead and own payment-related projects independently, including discovery, implementation, and coordination with Product and Engineering teams.<br>Work hands on with core payment systems and schemes, including TARGET, SWIFT, SEPA, and SEPA Instant.</li> <li>Develop test concepts and execute user acceptance testing (UAT) for payment-related changes and initiatives.</li> <li>Monitor, investigate payment incidents, ensuring timely root-cause analysis and remediation.</li> <li>Conduct technical and regulatory research and monitoring on e.g., SWIFT, Bundesbank, EPC and communicate relevant changes and impacts to internal stakeholders.</li> <li>Represent the scope of Payment Operations in  internal and external working groups, technical showcases, and annual industry tests (e.g., Bundesbank, SWIFT).</li> <li>Act as a subject matter expert for special services (e.g., SWIFT or Bundesbank), including maintaining and owning Payments-