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RiverBank is a fast-growing Luxembourg-based fintech serving established SMEs with lending, deposits, and payments solutions. You will lead the Operations & Payments function, managing a five-person team and serving as a strategic partner across Commercial, Product, Technology, Risk, Legal, Finance, and Treasury.
Your core responsibilities include:
**Team Leadership & Development**
Manage and develop the five-person Operations & Payments team. Set clear priorities, organize work, and create accountability for delivery. Coach team members on their development, clarify roles and decision-making authority, and foster a culture where people raise issues early and seek better ways of working.
**Operations Improvement Agenda**
Create a clear roadmap for improving the Operations function by identifying sources of friction, delay, and unnecessary cost. Prioritize improvements based on customer impact, business value, and ease of delivery. Establish measures for service quality, efficiency, and time to serve, giving the team clear direction and autonomy to execute.
**Product & Technology Collaboration**
Identify processes that should be simplified, automated, or redesigned. Convert operational problems into clear product and technology requirements. Work with Product to prioritize high-value opportunities and ensure new tools work effectively for end users. Support adoption and measure whether improvements deliver better outcomes.
**Cross-Functional Coordination**
Work with Commercial to improve customer and intermediary experience. Collaborate with Risk and Legal to make controls clear and practical. Interface with Finance and Treasury on operational reporting. Bring the right stakeholders together to resolve cross-functional issues and embed operational feedback into product and business priorities.
**Service & Efficiency Improvements**
Improve experience across onboarding, lending, deposits, and internal payments. Reduce avoidable manual work, rework, and delays. Improve clarity and reliability of customer updates. Identify recurring issues and address root causes. Make operational performance visible to leadership.
Success means building a strong, accountable team; establishing clear ownership across RiverBank's operational journeys; achieving measurable reductions in delays and friction; creating a practical automation and process improvement roadmap; strengthening cross-functional cooperation; and delivering a more consistent, responsive experience for customers, intermediaries, and colleagues.
You are practical, curious, and comfortable taking ownership. You listen to people closest to the work, use evidence over assumption, make decisions clearly, and raise issues early. You care about high standards while ensuring processes help rather than hinder. You are comfortable challenging existing ways of working and bringing others along.
**Requirements**
- Significant experience (5+ years) in banking operations, fintech, payments, or another regulated financial services business
- Experience managing and developing a team
- Experience improving processes through technology, automation, or better ways of working
- Strong understanding of customer onboarding, lending, deposits, or payments
- Experience working across Commercial, Product, Risk, Legal, Finance, or Technology functions
- Ability to turn broad problems into clear priorities and practical actions
- Strong judgement, organization, and communication skills
- Confidence to challenge existing ways of working and bring people with you
