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Scalable Capital, a leading European fintech platform with full banking license, is seeking a Senior Operations Payment Manager to join their Munich office. You will take end-to-end ownership of daily reconciliation, SEPA payment processing, and liquidity management, ensuring operational continuity and managing incident response during 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.
In this role, 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. You will coordinate and own communication with external partners including trustees, central banks, and service providers for liquidity management and SEPA payments.
Scalable Capital operates a digital investment and banking platform serving over one million clients managing more than €30 billion in assets. The company offers Scalable Broker (stocks, ETFs, cryptocurrencies, derivatives, savings plans), Scalable Wealth (digital wealth management), and additional services including loans, private equity, and the European Investor Exchange. Founded in 2014, the company now employs over 700 people across Munich, Berlin, Vienna, Milan, and London.
The role offers the opportunity to work with an international, diverse team at one of Europe's fastest-growing fintech startups. Benefits include flexible work arrangements with opportunity to work from abroad, international relocation support, attractive compensation package, company pension scheme, German language classes, education budget, and complimentary Scalable Capital PRIME+ Broker subscription.
REQUIREMENTS:
- Successfully 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 including SEPA payments, account reconciliation, 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
