Credit Controller (f/m/d)

Awin

Purpose of Position To ensure timely collection of outstanding invoices and maintain healthy cash flow as well as implement the rules in credit policy.  Please note: As this position sits on a global team, not everyone is able to read, write or speak in Portuguese. Please, submit your CV in English to be fully considered.  Key Tasks * To ensure the timely collections * To manage the customer credit limits * To create healthy communication with customers * To keep the sustainability of Power BI and other reports * To develop the reporting systems via AI. Skills & Expertise * 4 - 7 years credit control background * Power BI * Excel * AI or derivatives * Able to adapt quickly * Able to work independently when necessary * Background in Power BI * Advanced/fluent English Our Offer * Flexi-Week and Work-Life Balance: We prioritise your mental health and wellbeing, offering you a flexible four-day Flexi-Week at full pay and with no reduction to your annual holiday allowance. We also offer a variety of different paid special leaves. * Flexi-Office: We offer an international culture and flexibility through our Flexi-Office and hybrid/remote work possibilities to work across Awin regions. * Health & Well Being: With our support and access to various initiatives and sports offers, you can devote yourself to your mental and physical well-being. * Welfare: We offer Bradesco TNQQ for health & dental insurance that is eligible to the employee, partner and kids at no salary discount. Besides, we support you with transportation and food vouchers. * Development: We’ve built our extensive training suite Awin Academy to cover a wide range of skills that nurture you professionally and personally, with trainings conveniently packaged together to support your overall development. Improve your English skills with Awin’s English language course subsidy. * Remote Working Allowance: You will receive a monthly allowance to cover a part of your running costs. In addition, we will support you in setting up your remote workspace appropriately. * Appreciation: Thank and reward colleagues by sending them a voucher through our peer-to-peer program. Established in 2000, Awin is proud of our dynamic, social and inclusive culture. Like all businesses, we’ve had to adapt and nurture our culture in a virtual environment. Our virtual ‘Life @ Awin’ hub brings our colleagues from across the globe together for various social activities. Diversity & Inclusion are paramount to us, and we proudly pursue and hire diverse team members. We champion uniqueness and authenticity; this is who we are at our core. Our network of affiliate partnerships are diverse and transparent, as are the employees powering our vision to build the world’s leading open partner ecosystem. We welcome all backgrounds, identities, and experiences. If you need support at any point in the application or interview process, please let us know. Awin is part of the Axel Springer group. Learn more at axelspringer.com/en/, and explore the Axel Springer Essentials here: axelspringer.com/en/inside/the-essentials-what-we-have-adapted-and-why   Apply now to begin the next stage of your career at a progressive company that supports both your professional and personal development.

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 The Risk Controlling department is responsible for establishing and maintaining a robust, group-wide risk management framework aligned with Basel principles and guidelines. This involves implementing policies and controls to identify, measure, monitor, and manage the bank's risks, including credit, market, operational, and liquidity risk. The team's primary functions are ongoing risk profile monitoring, preparing accurate risk reports for stakeholders and regulators, and assessing capital and liquidity adequacy according to regulatory frameworks like CRR. Your Responsibilities In this role, your core responsibilities includes the following: * Lead Normative ICAAP Management: Oversee the normative perspective of the Internal Capital Adequacy Assessment Process (ICAAP), ensuring continuous regulatory capital compliance for the bank and the group across a multi-year planning horizon, including adverse and stress scenarios. * Develop and Maintain the Recovery Plan: Own the bank's Recovery Plan, including the monitoring and monthly reporting of recovery indicators to the Management Board for early detection of financial or operational crises. * Manage New Product & Process Oversight (NPP / AT 8.2): Drive Risk Controlling's involvement in New Product Processes (NPP) and significant process/IT changes (MaRisk AT 8.2), providing independent risk assessments and sign-offs for new business models, products, or organizational restructuring. * Prepare Risk Reporting & Governance: Contribute to and prepare risk reports for senior management, governance bodies, and regulatory authorities (BaFin/Bundesbank), providing deep-dive analyses into risk concentrations and capital adequacy. * Coordinate the Annual Risk Inventory: Support the annual risk inventory process to identify all material risks including credit, market, operational, and ESG factors and establish a comprehensive, uniform risk profile. * Execute and Oversee the Biennial LSI Stress Test: Manage the end-to-end execution of the LSI Stress Test, coordinating data collection across departments, performing sensitive results analysis, and ensuring the timely submission of high-quality results to supervisory authorities (BaFin/Bundesbank). Your Profile To succeed in this role, you will need the following skills and professional experiences: * Degree in Business Administration, Finance, Risk Management, Economics, or a related field. * Minimum of 7 years of professional experience in risk management or risk consulting within the banking or financial services sector. * Hands-on experience with core regulatory processes, specifically ICAAP, Recovery Planning, and New Product/Process Oversight (NPP/AT 8.2). * Solid knowledge of regulatory requirements, including MaRisk and Basel III. * Experience with risk management systems and tools. * Professional certifications are a plus. * Strong analytical capability, sound judgment, and a structured approach to risk management in a regulated banking environment. * Strong communication skills to effectively work across functions and present complex risk topics to senior management. * A proactive, independent working style demonstrating strong ownership and meticulous attention to detail. * Ability to balance operational execution with a comprehensive, enterprise-wide risk perspective. 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.

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 The Risk Controlling department is responsible for establishing and maintaining a robust, group-wide risk management framework aligned with Basel principles and guidelines. This involves implementing policies and controls to identify, measure, monitor, and manage the bank's risks, including credit, market, operational, and liquidity risk. The team's primary functions are ongoing risk profile monitoring, preparing accurate risk reports for stakeholders and regulators, and assessing capital and liquidity adequacy according to regulatory frameworks like CRR. Your Responsibilities As a Quantitative Risk Controller, you will play a central role in the development, implementation, and continuous enhancement of the bank’s economic ICAAP framework, market price risk measurement, and liquidity risk analysis. You will ensure the internal risk-bearing capacity adequately reflects the bank’s risk profile, supporting strategic steering through robust risk analytics and reporting, which contributes directly to risk transparency, regulatory compliance, and financial resilience. Key Responsibilities: * Develop and maintain models and methodologies for the economic perspective of ICAAP, including internal capital calculations and risk aggregation. * Perform quantification and monitoring of market price risks (especially interest rate risk) using both standard and internal models. * Analyze and report on liquidity risk metrics, including survival horizons, funding concentration, and liquidity stress testing. * Conduct scenario analyses and stress tests for economic capital and liquidity risks, ensuring alignment with MaRisk and EBA/ECB guidelines. * Maintain the risk inventory and contribute to the assessment of material risks in coordination with other risk types. * Support ICAAP reporting to management, regulators, and internal committees, ensuring clarity, accuracy, and compliance. * Collaborate closely with Treasury, Finance, and the business lines to align capital, liquidity, and risk strategies. * Monitor regulatory developments and adapt internal methodologies accordingly. * Contribute to the ongoing refinement of risk measurement tools and data quality improvements. Your Profile To succeed in this role, you will need a combination of quantitative expertise, regulatory understanding, and communication skills to support sound risk-based steering and regulatory compliance. Key Requirements: * A degree in a quantitative discipline or Business Administration with a quantitative focus. * 2–5 years of experience in risk controlling, quantitative analysis, or related roles in banking or financial services. * Proven knowledge of economic capital models, ICAAP methodology (economic perspective), and capital aggregation techniques. * Strong understanding of market risk measurement (e.g., VaR, sensitivities, stress testing) and liquidity risk metrics. * Familiarity with MaRisk, Basel III/IV, and ECB ICAAP guidelines. * Solid experience with Excel/VBA and analytical tools (e.g., Python, R, MATLAB, or SQL). * Ability to analyze complex data sets and translate results into meaningful risk insights. * Strong documentation and reporting skills to support transparency and auditability. * High level of independence, analytical thinking, and precision. * Effective communicator with the ability to collaborate across departments and present risk topics to senior stakeholders. * Professional certifications such as FRM, CFA, or similar are an advantage. 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.