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(Senior) Operations Payment Manager (m/f/x)

Scalable Capital - Munich, BY, Germany - Hybrid - posted 2026-10-14

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Scalable Capital, a leading European fintech and digital banking platform with over €30 billion in assets under management and 700+ employees, is seeking a Senior Operations Payment Manager to join their Munich headquarters. In this role, you will own end-to-end daily reconciliation, SEPA payment processing, and liquidity management, ensuring operational continuity and rapid recovery from outages. You will design scalable processes from scratch, identify optimization opportunities across the organization, and prioritize improvement initiatives to achieve operational excellence while eliminating operational risks and control gaps. You will supervise, guide, and mentor team members to ensure high-quality standards and flawless execution. You will evaluate complex cash transaction analyses and solution proposals, make fact-based decisions, and align with internal stakeholders across various seniority levels. Additionally, you will coordinate and manage communication with external partners including trustees, central banks, and service providers for liquidity management and SEPA payments. This is an opportunity to work with a fast-growing, visible European fintech startup creating innovative financial services with substantial customer impact. You'll join an international, diverse, and inclusive team using the latest tools and hardware. The company offers career development through in-house knowledge sharing, an education budget, free German language classes, and international relocation support if needed. Additional benefits include flexible work arrangements, an attractive compensation package, company pension scheme, 50% Deutschland Jobticket contribution, complimentary PRIME+ Broker subscription, and discounted Urban Sports Club membership. REQUIREMENTS: - Completed banking apprenticeship or Bachelor's degree in finance, accounting, or equivalent - Multiple years of experience in financial services; involvement in a bank's middle or back office preferred - Deep, comprehensive knowledge of payment and banking processes (SEPA payments, account reconciliation), including backend technologies and external partner dependencies - Ability to deal with ambiguity, evaluate results, make fact-based decisions, and update stakeholders while managing competing business-critical priorities - Composure in stressful, time-sensitive situations requiring quick and diligent response - Excellent verbal and written communication skills; fluent in English (written and spoken); German is a plus

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