Ratepay, headquartered in Berlin’s fintech hub, is Europe’s leading white‑label Buy‑Now‑Pay‑Later (BNPL) provider, offering a full suite of payment solutions including installment plans, invoice purchase, and 100 % risk coverage for online merchants. Leveraging AI‑driven risk management and a seamless integration platform, the company powers the payment value chain for brands such as Eurowings, ZARA, and PUMA across Germany, Austria, Switzerland and beyond. With a team of over 200 specialists, Ratepay combines deep industry expertise with a culture of openness, continuous improvement, and collaborative teamwork, enabling merchants to deliver flexible, secure payment options while reducing credit risk. Their focus on innovation and customer‑centric design sets them apart in the competitive fintech landscape.
Open Positions
Senior Risk Manager (m/f/d)
5-10 years of experience in the ecommerce, payment or banking industry, with relevant experience in credit- and/or fraud risk management
(Junior) Internal Auditor (m/f/d)
Professional experience in audit techniques, risk management, and compliance. Fluency in German and English
Senior Controller (w/m/d)
Bachelor's degree in finance, controlling, or accounting, 5-10 years of experience in the banking and/or payments industry, solid experience with reporting tools, long-standing experience as a Business Controller or Financial Analyst
Working Student (m/f/d) Fraud Screening
Bachelor's or master's program, mathematics or similar focus, analytical mindset, and strong communication skills
Principal Engineer (m/f/d) Seller Domain
Bachelor's degree, 10+ years of experience in software development, strong experience with domain-driven design and architecture
Team Lead Fraud Screening (m/f/d)
2+ years of leadership experience, 2+ years of experience in fraud prevention, payments, risk, or e-commerce operations, ability to communicate clearly in German and English
Senior Accountant (m/f/d)
5+ years of accounting experience, fluency in German and English, and expertise in SAP and MS Office