Product Manager – Deposit Payments and Bank Integrations (m/f/d)

Описание вакансии

Raisin is the world's leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.

Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns.

Team

As Product Manager for the Deposit Payments and Bank Integrations team at Raisin, you will own the end-to-end movement, reconciliation, and reporting of customer funds, as well as the interfaces between Raisin and partner banks.

This includes enabling reliable, scalable integrations for:

• Payment flows between customers, Raisin, and partner banks
• Ongoing synchronisation of accounts, balances, and transactions
• Daily position, customer, and deposit reporting to partner banks

A core part of the team’s mission is to ensure that partner banks have a clear, accurate, and timely view of their Raisin-related business—including customers, deposits, balances, and transaction activity— via well-defined APIs, file-based integrations, and operational reporting.

Your Responsibilities

• Reliable and scalable payment and settlement flows.
• Clear and auditable reporting of fund movements for customers, internal teams, and partner banks.
• Bank-facing integration standards covering APIs, reporting formats, reconciliation processes, and operational SLAs.
• Reducing manual effort and operational risk as the partner bank network scales.

You will collaborate closely with Business Development, Partner Bank Onboarding, Relationship Management, Deposits Operations, and Engineering leadership, often acting as the product authority on how banks should integrate with Raisin’s various interfaces.

Your Profile

What You’ll Do

• Lead discovery and delivery for initiatives across backend services, internal UIs, APIs, and reporting.
• Your immediate team comprises you as the Product Manager, your counterpart Engineering Lead and a team of engineers. With this team on a daily basis: You will lead the iterative refinement of major customer- or business- product problems in your product using data, customer insights, and input from stakeholders.
• You define the WHAT and WHEN. You express clearly their value and success criteria, and you call out risks, dependencies and assumptions to qualify.  You exhibit accountability for outcomes, not just output.
• You communicate clearly across disciplines - from technical flows to user outcomes.
• You collaborate with engineering, operations, data, and compliance teams to drive improvements in our integration flows and financial reliability.
• You write quarterly OKRs with your engineering lead and drive delivery against them.
• You contribute to the team’s long-term vision and roadmap, balancing speed, risk, and scale.

Must-Haves

• A degree in an analytical or technical discipline (e.g. math, engineering, computer science, finance).
• 3+ years of product management experience.
• 6+ years total working in/with tech-powered products (product, ops, engineering, or design).
• Experience working in an agile, cross-functional engineering team.
• Comfortable using tools like Jira, Confluence, or similar to drive clarity and delivery.
• Strong communication and collaboration skills across disciplines.
• Familiarity with how web products are built: backend/frontend interaction, APIs, events, etc.
• Interest in developing deep domain expertise in fintech and deposit systems.
• Analytical mindset and attention to detail.
• Ability to work through edge cases.

Nice-to-Haves

• Exposure to event-driven architecture, micro-services, or asynchronous systems.
• Experience working on reporting, data models, or system integrations.
• Familiarity with concepts like ETL, data warehouse, reporting views, or reconciliation.

Join our mission, join our team – and grow with us!

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from:

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

Raisin Applicant Privacy Policy

We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.

We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.