Interest & Product Logic Specialist

TASKS * Identify, analyze and interpret patterns and trends in complex data sets to support strategic business decisions * Work closely with our Sales & Finance department and our data teams (Data Engineering, Data Science and Web Analytics) to shape Visable into a truly data-driven company * Design, build and maintain trusted data models using dbt, contributing to our single source of truth * Collaborate on data modeling, metric definitions and data quality initiatives to ensure reliable and scalable reporting * Replace manual reporting processes with automated, cloud-based data solutions and reusable analytics assets * Develop scalable dashboards, self-service reporting solutions and KPI frameworks using Tableau or similar BI tools * Proactively identify opportunities, generate actionable business insights and communicate recommendations to stakeholders across the organization * Act as a trusted analytics partner, supporting business teams with data-driven decision making and enabling power users through documentation and knowledge sharing * Evaluate and leverage AI-powered analytics capabilities, including LLM-based tools and modern analytics workflows, to improve efficiency and create business value * Contribute to improving our analytics practices, governance and development standards COUNTRY Deutschland RECRUITER Zimmermann BENEFITS * The opportunity to actively shape the future of the online B2B business and build an European champion   * You can expect an established traditional company with the advantages of a dynamic start-up culture: flat hierarchies, relaxed, informal atmosphere and a great team spirit   * An agile and supportive environment where success is always a team effort   * Benefit from our fitness cooperation with Urban Sports Club and train flexibly in over 7,500 studios across Germany * Optimal work-life balance with 30 vacation days (plus Christmas Eve & New Year's Eve) and flexible working hours * We believe in the best of both worlds: flexibility and collaboration. Thus, you'll enjoy the benefits of working from home while also experiencing the team spirit in our offices (approx. 50%) * We promote your professional and personal skills with individual training opportunities (e.g. Visable Online-Academy & Trainings), regular feedback discussions and team-building measures   * Take advantage of our “Workation” offer and work where others spend their holiday PROFILE * Degree in Mathematics, Statistics, Computer Science, Business Analytics or a related field * Several years of experience as a Data Analyst, ideally within Sales, Finance or Commercial Analytics * Strong SQL skills and experience working with large-scale analytical databases and dimensional data models (Star/Snowflake schema) * Hands-on experience with dbt for data transformation, testing, documentation and version-controlled analytics development * Experience with modern cloud data platforms (e.g. BigQuery, Snowflake, Redshift or Databricks) is highly desirable * Experience using Tableau or similar BI and visualization tools to build scalable reporting solutions * Good understanding of data modeling, data quality and analytics engineering best practices * Experience working with Git and collaborative development workflows. * Python or R experience for analysis and automation is a plus * Interest in AI-powered analytics, LLM applications or AI-enabled data products, with a willingness to explore and adopt emerging technologies * Strong analytical thinking, curiosity and the ability to translate business questions into scalable analytical solutions * Excellent communication skills with the ability to explain complex analytical concepts to technical and non-technical stakeholders * Proactive, collaborative and solution-oriented mindset with a passion for continuous learning * Business fluency in English is required We live and love diversity! That's why we signed the „Diversity Charter“ to promote equal opportunities and diversity in all its components. By signing the Diversity Charter we guarantee that all qualified applicants are considered for employment without regard to age, ethnicity, religion, sexual orientation gender identity or physical abilities. A culture of respectful interaction is deeply rooted in our corporate values and therefore we want every employee to feel included, accepted and valued. With over 50 different nationalities and more than 20 spoken languages among Visable’s workforce, we can already be proud of being a culturally varied and truly international company.

We are looking for a specialist who combines financial know-how with strong analytical skills to join our Core Ledger team. Our platform contain core ledger systems both fully developed internaly and developed and delivered by external suppliers. As an Interest & Product Logic Specialist, you will define and document the business rules behind interest, fees, and product configurations, and verify and test that what our internal- and external suppliers deliver matches our requirements and works correctly. A significant part of this role is providing hands-on internal support to colleagues across the business who have questions about interest, fees, and product behaviour — this is something all specialists in the team spend a lot of time on. Getting this right is essential — it directly affects how accurate and competitive our financial products are. You will join a small, close-knit team and have a great opportunity to make a direct impact early on and help shape it as it grows. KEY RESPONSIBILITIES * Define and document detailed requirements for interest calculation logic, accrual rules, and fee structures, to be delivered by external suppliers * Translate financial product requirements from business and product teams into precise specifications for our suppliers * Verify and test the product configuration delivered by suppliers, ensuring it behaves correctly for all financial instruments * Ensure the mathematical and financial correctness of calculation logic delivered, including edge cases and regulatory requirements * Collaborate with finance, compliance, and product teams to validate that supplier deliveries meet business intent * Support audit and regulatory reporting by ensuring calculation logic is transparent, traceable, and well-documented * Investigate and resolve discrepancies in interest calculations, fee postings, or product behaviour, working with suppliers when needed * Define and execute test cases for financial calculation logic, including boundary and regression tests * Provide hands-on internal support to other teams (finance, customer service, operations, and others) on questions about interest, fees, and product behaviour — this is a significant and ongoing part of the role QUALIFICATIONS AND EXPERIENCE Desired Skills * 4+ years of experience in a financial, analytical, audit (internal or external), or product role within financial services, lending, or payments * Strong understanding of interest calculation methodologies (e.g. effective interest rate, simple interest, compound interest, XIRR) * Experience writing detailed financial business rules and specifications for systems built by others, , or experience auditing and validating such systems * Solid grasp of product structures in consumer credit, BNPL, or instalment lending * Ability to work with complex financial specifications and verify that delivered systems implement them correctly Nice to Have * Experience conducting audits, controls, or reviews of financial systems, ideally related to interest or fee calculation * Knowledge of Nordic or European consumer credit regulation (e.g. Consumer Credit Directive) * Experience with configuration-driven financial product frameworks delivered by suppliers * Background in financial audit, actuarial science, quantitative finance, or financial mathematics * Familiarity with accounting principles as they relate to interest and fee recognition * Prior experience in internal audit, external audit (Big Four or other firms), or operational risk control functions Behaviours * Exceptional analytical rigour — comfortable with mathematical precision and financial logic * Service-minded and approachable — enjoys helping colleagues understand interest, fee, and product logic * Strong bridge-builder between finance/business language and supplier requirements * Thorough documenter — understands that correctness must be explainable and auditable * Curious and proactive in challenging assumptions and validating requirements * Collaborative, with an ability to work effectively with business stakeholders and external suppliers EDUCATION BSc or MSc in Computer Science, Software Engineering, Finance, Audit, or equivalent practical experience. LANGUAGES Fluent English is required for this role. Swedish language is a plus. WHAT WE OFFER * A key role in building and shaping a modern, cloud-native core ledger platform * A collaborative, cross-functional team environment with short decision paths * Competitive salary and benefits package * Flexible working arrangements with hybrid options * Opportunities for professional development and continuous learning * A chance to make a real impact in the fintech space across the Nordic market * Modern office in central Málaga with a strong team culture