(Senior) Product Manager - Customer Payments (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

The Customer Payments Team ensures that money moves seamlessly across the Raisin platform, enabling customers to fund their investments, transfer their savings, and access their money whenever they need it. As the core enabler of financial flows within the Raisin marketplace, the team is responsible for routing funds to their correct destinations quickly, securely, and reliably.

Customer Payments plays a central role in maintaining customer trust by guaranteeing that every transfer, whether inbound or outbound, works flawlessly. The team safeguards liquidity and accessibility across all markets and products, ensuring that customers can always move their money with confidence.

By collaborating closely with internal product, operations, and engineering teams, as well as external service banking partners, Customer Payments builds the infrastructure that powers Raisin’s financial ecosystem and keeps the marketplace running smoothly every day.

Your Responsibilities

This Product Manager role is a unique opportunity to play a leading role in a team owning a critical platform service within Raisin’s core business. Partnering with an experienced Engineering Lead and supported by your senior, you will define and deliver the product and infrastructure that power these efforts.

• Lead with impact - Guide a cross-functional team through complexity and ambiguity, driving alignment and enabling meaningful, data-informed decisions.
• Full product ownership - Become the go-to expert for your product, managing it end-to-end: from ideation to delivery, performance tracking, and assessing its business impact at a company-wide level.
• Deep product understanding - Gain a comprehensive view of your product’s strengths, pain points, and opportunities for improvement, working to refine and optimize it with an iterative approach.
• Strategic refinement - With support from Senior Product Manager, define clear success criteria, articulate product value, and proactively identify risks, dependencies, and key assumptions.
• Roadmap development - Work closely with your Product and Engineering Tribe Leads to define a valuable and feasible roadmap for your team, ensuring buy-in and inspiring collaboration.
• Foster a strong team culture - Create an environment where feedback is actively given and received, celebrating successes publicly while using setbacks as learning opportunities. For you, failure is not individual—it’s a shared experience from which the team grows.

Your Profile

Must-Haves:

• You hold a Bachelor’s degree (or have equivalent experience) and have at least two years of experience working on technology products in product-adjacent areas such as development, operations, analytics, or design.
• You have experience working with payments in a finance or banking environment, or a payments-related area
• Fast learner - You quickly absorb complexity and distill it into simplicity, identifying solutions to challenging problems and determining the best course of action.
• Strong business acumen - You enjoy analyzing how a business operates, identifying areas for improvement, and developing product or technical solutions to enhance efficiency.
• Operational expertise -  You excel in facilitating processes within cross-functional teams and thrive in an operationally complex environment, with mentorship support.
• Analytical mindset - You dive deep into data, think from first principles, and make well-informed decisions based on insights.
• Clear and effective communicator - You have a high attention to detail and excel in both written and spoken communication, ensuring clarity and precision.
• Results-driven - You are proactive and adaptable, willing to do what it takes to execute complex projects successfully.

Nice-to-Haves:

• Experience working on a two-sided marketplace product.
• Experience with building distributed systems or microservices.

Key Attributes for This Role:

• You understand how to build scalable solutions and can engage in technical discussions with your counterparts.

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:
• Raisin SE Germany
• 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.

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.