Raisin
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Product Manager – Deposit Payments and Bank Integrations (m/f/d)
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
As Product Manager for the Deposit Payments and Bank Integrations team at Raisin, you will own the end-to-end movement, reconciliation, and reporting of customer funds, as well as the interfaces between Raisin and partner banks.
This includes enabling reliable, scalable integrations for:
- Payment flows between customers, Raisin, and partner banks
- Ongoing synchronisation of accounts, balances, and transactions
- Daily position, customer, and deposit reporting to partner banks
A core part of the team’s mission is to ensure that partner banks have a clear, accurate, and timely view of their Raisin-related business—including customers, deposits, balances, and transaction activity— via well-defined APIs, file-based integrations, and operational reporting.
Your Responsibilities
- Reliable and scalable payment and settlement flows.
- Clear and auditable reporting of fund movements for customers, internal teams, and partner banks.
- Bank-facing integration standards covering APIs, reporting formats, reconciliation processes, and operational SLAs.
- Reducing manual effort and operational risk as the partner bank network scales.
You will collaborate closely with Business Development, Partner Bank Onboarding, Relationship Management, Deposits Operations, and Engineering leadership, often acting as the product authority on how banks should integrate with Raisin’s various interfaces.
Your Profile
What You’ll Do
- Lead discovery and delivery for initiatives across backend services, internal UIs, APIs, and reporting.
- Your immediate team comprises you as the Product Manager, your counterpart Engineering Lead and a team of engineers. With this team on a daily basis: You will lead the iterative refinement of major customer- or business- product problems in your product using data, customer insights, and input from stakeholders.
- You define the WHAT and WHEN. You express clearly their value and success criteria, and you call out risks, dependencies and assumptions to qualify. You exhibit accountability for outcomes, not just output.
- You communicate clearly across disciplines - from technical flows to user outcomes.
- You collaborate with engineering, operations, data, and compliance teams to drive improvements in our integration flows and financial reliability.
- You write quarterly OKRs with your engineering lead and drive delivery against them.
- You contribute to the team’s long-term vision and roadmap, balancing speed, risk, and scale.
Must-Haves
- A degree in an analytical or technical discipline (e.g. math, engineering, computer science, finance).
- 3+ years of product management experience.
- 6+ years total working in/with tech-powered products (product, ops, engineering, or design).
- You will use AI to 10x the quality and pace of product discovery and delivery. Far beyond just chatbots, hands-on agentic product development experience is a plus; while curiosity, adaptability, and sound judgment is non‑negotiable.
- Experience working in an agile, cross-functional engineering team.
- Comfortable using tools like Jira, Confluence, or similar to drive clarity and delivery.
- Strong communication and collaboration skills across disciplines.
- Familiarity with how web products are built: backend/frontend interaction, APIs, events, etc.
- Interest in developing deep domain expertise in fintech and deposit systems.
- Analytical mindset and attention to detail.
- Ability to work through edge cases.
Nice-to-Haves
- Exposure to event-driven architecture, micro-services, or asynchronous systems.
- Experience working on reporting, data models, or system integrations.
- Familiarity with concepts like ETL, data warehouse, reporting views, or reconciliation.
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.
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.
Ready to apply?
Apply to Raisin
Junior Product Manager – Deposit Payments and Bank Integrations (m/f/d)
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
As Product Manager for the Deposit Payments and Bank Integrations team at Raisin, you will own the end-to-end movement, reconciliation, and reporting of customer funds, as well as the interfaces between Raisin and partner banks.
This includes enabling reliable, scalable integrations for:
- Payment flows between customers, Raisin, and partner banks
- Ongoing synchronisation of accounts, balances, and transactions
- Daily position, customer, and deposit reporting to partner banks
A core part of the team’s mission is to ensure that partner banks have a clear, accurate, and timely view of their Raisin-related business—including customers, deposits, balances, and transaction activity— via well-defined APIs, file-based integrations, and operational reporting.
Your Responsibilities
Join our Deposit Payments & Bank Integrations team and help shape how money moves across Raisin’s platform. You’ll work closely with engineering, operations, and business teams to support reliable payment flows, integrations with partner banks, and accurate financial reporting.
This role is ideal for someone early in their product career who is curious about how complex systems work and wants to build deep expertise in fintech.
- Plan, draft and track quarterly OKRs, ensuring the team stays on path toward its milestones.
- Lead discovery and delivery of products/ features that cut across backend services, APIs, and internal tools.
- Act as a bridge between disciplines, translating requirements and technical flows into understandable user outcomes.
- Work within a cross-functional squad (Engineering Lead and developers) to refine product requirements and turn customer problems into actionable user stories.
- Improve reporting accuracy and payment reliability.
- Document integration standards and reconciliation processes.
Your Profile
- A degree in an analytical or technical discipline (e.g., Math, Engineering, CS, Finance).
- Overall 3+ years experience with 1–2 years of experience in product, operations, business analysis, or similar (internships count).
- You will use AI to 10x the quality and pace of product discovery and delivery. Far beyond just chatbots, hands-on agentic product development experience is a plus; while curiosity, adaptability, and sound judgment is non‑negotiable.
- Strong understanding of how web and software products are built (APIs, backend/frontend interaction).
- Familiarity with Agile and tools like Jira.
- Detail-oriented and eager to learn.
- Exposure to SQL or data analysis.
- Understanding of integrations or how systems communicate.
- Interest in payments, reconciliation, or fintech.
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.
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.
Ready to apply?
Apply to Raisin
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
As an Enterprise IT Services Engineer you will join an international team of IT professionals that supports the growth and internal IT operations of Raisin globally. The main task of the team is to manage and configure the applications and services that support the internal IT operations and the company’s goals, compliance, security and growth in a sustainable way.
The team manages core IT services, such as Google Workspace, Jamf, InTune, Automox, Okta, Meraki, Palo Alto Prisma etc. and enables the IT operations on that aspect to our employees world wide.
Your Responsibilities
- IT Services operations
- Configuration and administration of the enterprise IT services and applications.
- Structured change management for any change requests.
- Integration between the enterprise IT services and other applications/services in the organization.
- Secure IT operations
- Secure and fast IT offboardings
- Devices are managed, controlled, updated and secure
- Support InfoSec requests and implementations
- Support other functions by means of integrations and automations
- Integrate services used by different teams to ease access and information sharing
- Automate internal team processes through scripts
- Leverage AI to optimise / automate
- Proactively improve shared enterprise IT services to support other teams' needs.
- Productive enterprise IT operations
- Improve employees’ on/off-boarding and support processes
- Automate IT processes through integrations and scripts
Your Profile
- 3-6 Year experience in IT administration in SaaS or hybrid environments
- Good knowledge in configuration and change management of multiple applications
- Deep experience with:
- Programming, eg. Python, PowerShell, Bash, Google Apps Script
- Computer networks, network administration and network installation (experience with Meraki and/or Palo Alto Prisma is a big plus)
- IT SaaS services like Jamf, InTune, AzureAD, Google Workspace, Okta
- AWS, IaC, Terraform, GitLab
- Excellent communication skills.
- Previous work experience in a rapid growing Enterprise B2B SaaS environment is a plus
- Excellent knowledge of technical management, information analysis and of computer hardware/software systems
- Strong creative and analytical thinking
- Bachelor’s degree (or equivalent) in information technology or computer science
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.
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.
Ready to apply?
Apply to Raisin
Money Laundering Reporting Officer (f/m/d)
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
Join the Anti-Financial Crime (AFC) department as our MLRO/GwB. You will lead our mission to prevent, detect, and combat money laundering, terrorism financing, and fraud. As the primary contact for BaFin and the FIU, you ensure Raisin Bank meets Geldwäschegesetz (GwG) and Kreditwesengesetz (KWG) requirements. In this role, you collaborate with a team of experts to develop internal guidelines, oversee control mechanisms, and manage training programs to ensure group-wide AFC compliance and integrity.
Your Responsibilities
- Regulatory Liaison: Act as the primary interface with the BaFin and the Financial Intelligence Unit (FIU).
- Policy Development: Design, implement, and maintain internal AFC policies, ensuring they reflect the latest updates to the GwG and AuA.
- Risk Management: Conduct and regularly update the group’s annual risk analysis to identify institutional risks related to money laundering and fraud.
- Monitoring & Investigation: Oversee the transaction monitoring systems and conduct manual investigations into high-risk accounts or complex structures.
- Advisory: Provide expert guidance to the Board and business units on high-risk client onboarding (PEP, High-Risk Jurisdictions) and the compliance implications of new products.
- Training: Develop and deliver mandatory AML/CTF training programs for all employees to foster a robust culture of compliance.
- Auditing: Coordinate with internal and external auditors during annual § 25h KWG audits.
Your Profile
- Minimum 5-7 years of relevant professional experience as an MLRO or Deputy MLRO within a bank.
- Expert knowledge of statutory requirements, particularly the German Money Laundering Act (GwG), BaFin AuA, AML Regulation, EBA Guidelines, and the German Banking Act (KWG).
- Deep expertise in the areas of KYC, customer identification, and complex risk rating methodologies.
- Proven experience in defending risk analyses before boards of management and supervisory authorities.
- Hands-on mentality and independent, proactive action paired with high entrepreneurial drive
- Strong analytical and conceptual skills combined with high decision making authority regarding technological innovations.
- Highest degree of integrity, a sense of responsibility, and the personal reliability required for a key function.
- Excellent communication and negotiation skills in both German and English.
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.
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.
Ready to apply?
Apply to Raisin
(Senior) Customer Service Manager – Investment and Pension Products (m/f/d)
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
Process Knowledge Management (PKM) at Raisin owns all operational knowledge and documentation, as well as maintains and continuously improves existing processes, supporting scalable operations by integrating insights from other CS teams Q. Working closely with Process Design & Innovation, PKM provides deep area expertise during the design and rollout of new processes and takes ownership once they move into long-term use.
The team combines domain knowledge, structured process thinking and AI-supported content creation to ensure that CS at Raisin operates with clear, simple and reliable processes .
Your Responsibilities
This role sits in a growing and evolving area of the business. As the Subject Matter Expert for Investment & Pension Products (IPP) within CS. You will be expected to understand customer and agent journeys, identifying friction points, and translating complex investment and pension topics into clear, usable, and compliant processes and communication. We’re looking for someone with a background in customer experience within investment and pension products, who is a self-starter who enjoys learning, problem solving and continuous improvement.
- Own knowledge, documentation and process management for Investment & Pension Products (IPP) within CS.ct as the main point of contact for the IPP area and ensure alignment with internal CS teams, external partners and Product teams.
- Drive regular agent-shadowing and data-gathering agenda to understand operational challenges, capture insights and translate them into process and documentation improvements.
- Proactively improve, simplify and standardize content, leveraging AI-supported tooling.
- Own and maintain customer-facing knowledge and documentation for IPP, to support self-service and ticket deflection
- Independently assess, prioritize, and handle requests from internal and external stakeholders in an environment with evolving requirements.
- Support audit-related activities and maintain compliance documentation related to IPP.
- Contribute IPP expertise to PDI-led projects by supporting the research, design, documentation, and rollout of new or revised processes, ensuring alignment with operational constraints and long-term sustainability.
- Lead the deployment of Lean ways-of-working in the IPP area CS organization.
- Own IPP CS feature requests to Product, ensuring business impact and operational needs are clearly represented.
- Own projects and responsibilities end-to-end from problem discovery and analysis through solution design, rollout and team adoption.
Your Profile
- Background in finance,banking or financial services - ideally with exposure to investment and pension products.
- Experience in customer experience, operations or process management, preferably in a regulated environment.
- Strong ability to translate complex product or regulatory topics into clear, practical guidance.
- Confident stakeholder management skills across operational, product, and compliance-focused teams, as well as external partners.
- Comfortable taking ownership and driving initiatives independently.
- Project management skills with experience in owning initiatives end-to-end.
- Interest in automation and AI, with a curiosity to apply new tools.
- Analytical, structured and improvement-oriented mindset.
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.
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.
Ready to apply?
Apply to Raisin