Enterprise (Financial) Risk Officer (m/f/d)
Grevenmacher
Risk Control /
Full-time /
Hybrid
ABOUT US
Unzer is a leading European fintech company with a mission to simplify international payments for e-commerce and retail businesses. Our brand was formed from 13 companies that now contribute to building a unique product covering the entire payment flow.
At Unzer, we are driven by the belief that customers should enjoy a seamless shopping experience, no matter where they choose to shop. We are a team of over 750 experts from 70 different nationalities, dedicated to creating a state-of-the-art unified commerce platform. Our goal is to enable businesses to delight their customers with a seamless payment experience.
Whether you're a tech enthusiast, payment expert, or a dedicated support professional, we are looking for individuals who are passionate about making a difference.
Our offices
We are based across Austria, Denmark, Germany and Luxembourg with a HQ in Berlin.
ABOUT THE TEAM
You will be a part of the Risk Control department for the Unzer organisation. As part of the RC team, you are expected to deeply immerse yourself into topics and areas, to identify and manage any obstacle that could hinder the organisation to meet its strategic objectives and ensure that the organisation acts within the set risk appetite set by Unzer.
This is an exciting dual-role in which you will have the opportunity in developing, enhancing, implementing and managing the enterprise-wide (financial) risk management framework to ensure that risks and controls are effectively managed within the organisation, as well as managing the credit risk for the Buy Now Pay Later portfolio.
You will also work in close collaboration with management/teams/people across the organisation, in different geographical location.
What your work will look like:
- Be the local expert and support to the teams/people in risk related matters.
- Ensure that appropriate governance is in place and that the risk framework is implemented/integrated.
- Further development and maintaining Unzer policy, guidelines etc in accordance with the relevant regulations.
- Ensuring gaps are identified as well as offering solution/changes/preventives measures.
- Monitor and analyse the performance of the Pay Later portfolio, identifying trends and emerging risks.
- Use your analytical mindset to identify, track and monitor key trends, insights and high-risk segments that could contribute to potential losses.
- Create and run key performance reports to ensure senior management remains updated on key risk measures.
- Continually assess the framework and propose changes to meet regulatory, risk and control requirements.
- Support in carrying out (credit) risk analyses as well as review of the (existing) control.
- Preparation and support of the internal and external audits as well as other (regulatory) audit.
- Implementation and monitoring of training and risk awareness programs.
- Supporting the Group Risk Control functions with various projects, tasks, and/or other enterprise risk/risk control related activities.
What you need to be successful in this role:
- Proven experience in (Credit/Financial) Risk Management
- Excellent analytical and decision-making skills
- Knowledge of Prudential regulations
- Excellent analytical skills, logical thinker with strong attention to detail.
- Ability to engage and build relationship with (senior) stakeholders
- Experience with data analysis tools and software such as Excel, Tableau, R or SQL is pre
- Languages: working proficiency and communication skills in verbal and written English (German is a plus).
- 2+ years of experience within enterprise risk, risk control, financial risk management, audit, consulting, payment and/or banking industry.
Please note that we will not sponsor your visa or relocation, and you must have a valid work permit to be eligible for this position.
What’s next?
- Does it sound exciting? - Apply with your CV in English. Please don’t shy away if you don’t meet all the requirements! We’re looking forward to meeting you.
- The interview process includes: a 30min intro call with a TA Partner, 60-90min conversation with the team and call with your potential manager (up to 45min). Please note the process might alter depending on our team’s availability.
WHAT'S IN THERE FOR YOU:
🏡 Work from home up to 60% of the time. We want you to keep your work-life balance.
🚲 Mobility support, whether you choose bike rental or leasing or a Deutschlandticket - we've got you covered.
🫴 Explore counselling assistance, be it for professional or personal matters, through our associated platform.
💰 Pension scheme, we want to give back and help you secure your future.
🏖️ 15 days a year of workation from your desired destination within the EU.
🕟 Flexible working hours – you get to choose the schedule that works best for you!
📗 Learning budget of 1000 euros per year – you can develop your passions with us.
🎉 Enjoy some fun moments with your coworkers – we throw a company party once a year and host several team events!
*Unzer is an equal employment opportunities workplace, and we commit to hiring regardless of race, sex, gender identification, sexual orientation, national origin, native language, religion, age, disability, marital status, citizenship, genetic information, pregnancy, or any other characteristic protected by law. Please refrain from including your picture and age with the application.
#LI-HYBRID
