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 Risk Controlling team shapes Raisin Group's resilience by establishing and maintaining the group-wide risk management framework in line with regulatory standards such as Basel. The team defines risk policies and controls and is responsible for identifying and assessing material risks across the group, including operational, credit, market, and liquidity risk, using methods such as risk assessments, stress testing, and scenario analysis.



In addition, Risk Controlling continuously monitors the group's risk profile through risk metrics, key risk indicators, and early warning signals. The team prepares risk reporting for senior management and regulatory authorities and supports capital and liquidity adequacy assessments in line with regulatory requirements, ensuring the business model is backed by appropriate risk-bearing capacity and liquidity strength.




Your Responsibilities



The Operational Risk Manager identifies, assesses, monitors, and reports operational risks in line with internal frameworks and regulatory requirements, including MaRisk and Basel III, as part of the second line of defense.



Key responsibilities:

• Perform operational risk identification and assessment, including RCSA, scenario analysis, and loss database management


• Proactively follow up on operational risk events and conduct lessons-learned analyses with business units


• Provide independent operational risk input to projects and New Product Approval Processes


• Monitor risk indicators and oversee incident and loss reporting


• Maintain and enhance the Operational Risk Management Framework in line with MaRisk and Basel III


• Prepare operational risk reports for senior management and governance committees


• Support development of risk appetite and control enhancements

Your Profile



You bring strong analytical capability, sound judgment, and a structured approach to operational risk management in a regulated banking environment.



Key requirements:

• Degree in Business Administration, Finance, Risk Management, Economics, or a related field


• 3-5 years of experience in operational risk management, internal audit, or risk consulting within banking or financial services


• Hands-on experience with RCSA, incident management, and risk indicators


• Solid knowledge of regulatory requirements, including MaRisk and Basel III


• Experience with risk management systems and tools, including loss database and RCSA tracking


• Ability to balance operational execution with an enterprise-wide risk perspective


• Strong communication skills to work across functions and present risk topics to senior management


• Proactive, independent working style with strong ownership and attention to detail


• Professional certifications are a plus

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.

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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.