(Junior) Manager Finance & Treasury

Luno

ABOUT US: Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly. Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards. We don’t do memecoins. Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely. ABOUT THE TEAM: Luno is a market leading crypto exchange on a mission to put the power of crypto into everyone’s hands. You will report to Louis van Wyk in the Treasury team, based in Cape Town. This is an amazing opportunity to join a talented and collaborative Finance function.  THE ROLE IN A NUTSHELL: As Senior Group Treasury Manager, you will be the senior individual contributor leading Luno's cash and liquidity management pillar. You will own the strategy and execution of funding, liquidity, and FX/cryptocurrency exposure management across all of Luno's markets, ensuring the business has the right capital in the right place at the right time. While not directly managing a team, you will provide expertise and guidance to junior treasury operations roles on workstreams within your pillar. YOUR MISSION WILL BE: Liquidity & Funding Strategy * Forecast and manage fiat and cryptocurrency liquidity needs across all platforms, venues, and markets. * Develop and execute strategies to optimise funding efficiency and minimise liquidity risk. * Manage foreign exchange and cryptocurrency exposure, ensuring alignment with overall financial objectives and risk appetite. * Lead the development and execution of strategies for liquidating cryptocurrency positions to optimise revenue and manage risk. Banking & Payment Provider Relationships * Manage relationships with existing banking and payment provider partners to ensure smooth funding and settlement operations. * Lead the onboarding of new banking and payment partners as the business expands into new markets, ensuring compliance with KYC and regulatory requirements. * Oversee annual KYC refreshes for existing banking and liquidity partners. * Support business expansion into new countries by establishing and managing relationships with relevant financial partners. Financial Analysis & Reporting * Prepare financial analysis and calculations for licensing and capital requirements across all regions. * Distribute liquidity and funding performance metrics to relevant stakeholders and provide insights for decision-making. * Support treasury risk reporting, including preparation of inputs for the Treasury Oversight Committee (TOC) and Treasury Risk Committee (TRC). Collaboration & Continuous Improvement * Collaborate with Product, Engineering, and Operations teams to actively support new product launches, geographic expansion, and platform enhancements. * Identify and drive process improvements and automation opportunities within the cash and liquidity management pillar. * Provide mentorship and guidance to junior treasury operations roles on liquidity and cash management workstreams. A LITTLE ABOUT YOU: * Bachelor's in Business Administration, Accounting, Finance, Economics or related discipline; advanced degree (CA(SA), CIMA/CGMA, CFA) preferred. * 5-7 years of progressive experience in treasury, cash management, or liquidity management within a fintech, crypto exchange, or financial institution. * Demonstrated experience managing fiat and cryptocurrency liquidity and funding across multiple markets. * Experience with banking and payment provider relationship management, including KYC/onboarding processes. * Familiarity with exchange/liquidity provider settlement flows and cryptocurrency exposure management. * Nice to have: Previous experience with treasury management software and/or VASP/crypto regulatory compliance exposure (e.g., MiCA, FSCA). * Strong financial modelling and analytical skills. * Ability to interact and build relationships at all levels of seniority and across all functions within an organisation. * Must be a self-starter with strong prioritisation and organisation skills; able to manage multiple priorities in a fast-paced environment. * Leads change through entrepreneurial thinking, a strong sense of responsibility and a very high level of integrity. * Must have highly effective verbal, written, and presentation skills. * Friendly, transparent, articulate and driven to succeed. * Confident in a Hybrid Working Environment. * Efficient in Microsoft Excel and/or Google Sheets and other Microsoft/G-Suite products. LIFE AT LUNO: * Forward-thinking and ambitious team that values diversity, hard work, and the continuous quest for excellence. * Remote but reachable work policy gives you the freedom to choose between working from home or the office. * Improve body and mind, with excellent private medical insurance. * Access to Learnably and our additional learning platforms for your personal and professional development. * Generous maternity / paternity and even paw-ternity for your furry friend. * Annual Inspiration Day in addition to your annual leave which increases based on your length of service! Plus the option to buy and sell leave.  * A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts. * Free lunch and snacks. * 0 fees* with Luno from the day you start. *Offer only available on Luno Instant Buy, not Luno Exchange We are an equal opportunity employer and value diversity at our company. We do not negatively discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

CO-WORKER TECHNOLOGY SWEDEN AB

Application Specialist – Microsoft Dynamics 365 (Junior) About the role As an Application Specialist, you will support the implementation and continuous improvement of Microsoft Dynamics 365 together with experienced colleagues. You will combine your technical interest with an understanding of business processes and work closely with business users, Product Owners and project team members to deliver successful D365 implementations. This is an excellent opportunity for someone with 1–2 years of experience who wants to develop within Dynamics 365 in an international environment. Responsibilities Support the implementation of Microsoft Dynamics 365 together with your squad and Implementation Manager. Configure D365 modules according to defined business requirements and project scope. Support integration activities together with senior team members. Document market-specific configurations and implementation decisions. Collaborate closely with business users to understand requirements and provide support. Prepare and support User Acceptance Testing (UAT). Participate in cutover planning and go-live activities. Deliver end-user training and support the "train-the-trainer" approach. Support data migration activities, including data preparation, validation and loading using standard D365 tools. Contribute to knowledge sharing within the team. Ensure solutions are documented according to project standards. Who you are Team-oriented and collaborative. Curious, proactive and eager to learn. Strong communication skills in English, both written and spoken. Structured, responsible and solution-oriented. Analytical with good problem-solving skills. Interested in business processes and ERP systems. Comfortable working in an agile and international environment. Qualifications 1–2 years of experience working with Microsoft Dynamics 365 or another ERP platform. Experience from implementation projects, application support or business system administration is considered an advantage. Basic understanding of one or more business process areas such as: Procure to Pay Order to Cash Record to Report Fixed Assets Procurement & Sourcing Supply Chain Management Basic experience with data migration or data management in D365 (DMF) is an advantage. Experience with integrations or ISV solutions is considered a plus but is not required. Knowledge of Microsoft localizations or regulatory compliance is an advantage. Experience working in agile teams is beneficial. Nice to have Experience with one or more of the following is considered an advantage, but not a requirement: ExFlow Treasury Automation Suite Comarch Integrations using Azure or reusable APIs Microsoft Dynamics 365 Finance & Operations

Upvest

At Upvest, we are on a mission to make investing as easy as spending money. Upvest empowers businesses to offer a wide range of investment products and the best experience in the field of capital market investment and retirement planning. Upvest’s Investment API is easy to integrate so that fintechs and financial institutions can save resources and fully focus on their core business. We are proud to partner with Europe’s leading Fintechs and financial institutions such as DKB, Revolut, N26 and Raisin. Founded in 2017 by Martin Kassing, Upvest now brings together over 270 talented professionals from more than 70 nationalities. Upvest is backed by €280M in total funding from world-class investors, including BlackRock, Tencent, Sapphire Ventures, and Bessemer Venture Partners, Earlybird, Notion Capital, and Motive. Our latest €105M funding round in March 2026 - led by Sapphire and Tencent - serves as a massive catalyst for our growth, allowing us to offer premier investment experience. ABOUT THE ROLE: * As Senior Liquidity Risk Manager, you will own the design, implementation, and ongoing oversight of Upvest’s liquidity risk framework — a critical function for a BaFin-regulated investment firm operating at scale across Europe. * You will work closely with Treasury, Finance, and senior leadership to ensure Upvest maintains a robust and compliant liquidity position as we expand across Europe. * This is a high-impact, highly visible role at the intersection of regulatory compliance, strategic finance, and operational excellence — you’ll be central to how Upvest manages risk at the next stage of growth. WHAT YOU’LL DO: * Quantitative Analytics: Lead advanced quantitative modeling and analyze complex risk data to provide strategic insights on liquidity, funding, and stress testing (ILAAP). * Risk Governance: Design and implement comprehensive mitigation strategies and robust risk controls across our core business processes. * Projects & Tooling: Own high-impact risk projects, including the architecture and deployment of next-generation risk models and tools—initially for Financial and Non-Financial domains, with a clear path into the broader universe of Risk Management. * Stakeholder Communication: Serve as the primary expert for financial risk inquiries, translating complex quantitative findings for senior leadership, external partners, and regulators (BaFin). * Leadership & Collaboration: Mentor junior team members and drive cross-departmental initiatives (IT GRC, Outsourcing, Finance, Compliance, Operations) to scale our risk infrastructure. WHAT YOU BRING: * Experience: 5+ years in risk management or treasury within a regulated bank or financial institution. * Regulatory Expertise: Strong understanding of European/BaFin regulatory frameworks (CRR, LCR, NSFR, ILAAP, MaRisk). * Technical & Modeling Skills: Hands-on experience building or operating quantitative risk models and cash flow forecasting tools (SQL/Python skills are a plus). * Project & Cross-Functional Power: Proven track record of driving complex projects across domains like IT GRC, Outsourcing, or Compliance. * Leadership & Communication: Exceptional ability to mentor junior colleagues and articulate complex financial risks clearly to C-level executives and external partners. * Languages: Fluency in English; German language skills are a strong advantage. IT’S GREAT IF YOU HAVE: * Experience bridging the gap between Financial and Non-Financial/Operational Risk frameworks. * Prior experience in a high-growth fintech scale-up environment. HOW WE UPVEST IN YOU: * Best-in-class AI tools: Every Upvenger has €20,000 per year to spend on the best AI tools available — so you're always working with the most powerful models and tooling on the market. * Impact-driven work: We’re building the infrastructure that will power the future of investing in Europe. It’s complex, ambitious, and meaningful. You’ll work with modern technologies and create something entirely new. No legacy systems, no limits. * Wellbeing: Recharge with 30 days of annual leave and maintain a healthy lifestyle with sports benefits. Access confidential professional coaching and enjoy the flexibility to work remotely abroad for up to 183 days a year. Recharge with UpRest, a one-month fully paid sabbatical after every 4 years of working at Upvest. * Development: Growth is in our DNA. Each Upvenger has access to a personal development budget and the freedom to decide how to use it. * Flexible work environment: Work from any of our hubs in Berlin, London or Tallinn hybrid or remotely across Europe, depending on the role. We give you the choice and budget to work where you’re most comfortable and productive, either at home or in the office. You choose. * Compensation and equity: We believe that all Upvengers contribute to our success and deserve a competitive, above-market salary and a participation in our employee equity program. * Team celebrations: Participate in company-wide events, such as UpFest, dinners, offsites and our Holiday party, to connect with colleagues and celebrate our achievements. * Inclusion: We’re committed to a culture where everyone belongs and thrives. Our Employee Resources Groups foster inclusion and connection, like Upfem for our female Upvengers, or UpVergent supporting neurodivergent Upvengers and allies. OUR VALUES: * Make it easy for others. We simplify the complex and act with the best intentions * Own the outcome. We are proactive, fast and confident to get the job done, valuing progress over perfection. * Rise to the challenge. We aim high and push the boundaries. We stay curious, learn and celebrate our wins together. * Tell the story. We start with the Why to align on purpose. We are transparent and share knowledge to empower and inspire others. Upvest is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.