Finance Expert

As a Finance Expert, you will play a central role in coordinating and steering end-to-end finance processes across banking product accounting, tax, procurement, and financial controlling. You will own the design, development, and continuous improvement of core financial processes, guide team members across functions, and serve as a subject matter expert in banking accounting, tax compliance, and financial coordination.

You will act as the process owner and coordinator, ensuring that financial operations around new product launches, month-end closings, audits, and reporting are executed smoothly and aligned with both regulatory and internal requirements. Your responsibilities include:

Lead and Coordinate Financial Product Accounting

• Design and maintain robust accounting rule sets (HGB & IFRS) for banking products within the core banking systems (preferably Mambu & NetSuite).
• Coordinate end-to-end product accounting setup, from requirements definition to system configuration and testing.
• Act as the central contact point for finance (full scope and beyond) topics during product development.
• Ensure all accounting, tax, and documentation requirements are met before product go-live.
• Guide and support team members on complex accounting and tax topics (e.g., VAT, withholding tax).
• Be a sparring partner to the Director Finance and CFO

Process Ownership for Tax and Invoicing

• Define and improve tax-relevant processes (e.g., VAT logic, WHT flows, procurement compliance).
• Ensure invoicing and procurement processes are efficient, accurate, and audit-ready.
• Coordinate with teams to ensure data readiness, quality, and consistency across tools and systems.
• Act as process owner for invoice-related activities, aligning across accounting, controlling, and business units.
• Pro-active approach and hands-on mentality

Financial Controlling & Reporting Support

• Oversee and guide processes related to budgeting, forecasting, and financial reporting.
• Coordinate month-end and year-end closing activities across teams and systems.
• Support internal and external audits (financial, tax, regulatory), ensuring all required documentation and data are prepared on time.
• Drive consistency and improvement in management reporting processes and tooling.

Process Design & Continuous Improvement

• Pro-actively identify process gaps and inefficiencies and proactively lead improvement initiatives.
• Collaborate across departments (Finance, Risk, Reg Rep, Product, Operations, Legal, Tech) to align on cross-functional processes.
• Develop documentation, templates, and standards to ensure consistency and knowledge sharing within the finance team.
• Ensure regulatory compliance and audit-readiness of all finance-related processes and outputs.

• Degree in Finance, Accounting, or Economics; professional certifications (CPA, ACCA, CFA, Steuerberater) are a plus.
• 5+ years' experience in finance, accounting, or controlling, ideally within banking, fintech, or financial services.
• Deep expertise in RechKredV and solid knowledge of HGB & IFRS.
• Proven track record in year-end closings with financial audits, as well as month-end closings and regulatory reporting.
• Strong understanding of tax frameworks (VAT, WHT) and compliance requirements.
• Experience with core banking systems (e.g., Mambu) and ERP/accounting tools (e.g., NetSuite); advanced Excel/Google Sheets skills.
• Skilled in process ownership, cross-functional collaboration, and project management.
• Pro-active, flexible, detail-oriented, and solution-driven, thriving in a fast-paced, high-growth environment.
• Excellent communication skills in German and English.

As part of the strong Raisin family, Raisin Bank combines the best of both worlds: The experience and security of a bank with the flexibility and innovation of a Start-up.

Our employees are just as diverse as our partners. If you are looking for a dynamic environment in which you can play to your strengths and develop further, then you have come to the right place In our agile FinTech environment, you have the opportunity to work in an international team and gain new experience. We provide:

• Employee Development Budget of €400 and one full training day per year.
• Access to Babbel for continuous language learning.
• Flexible working hours, home office and 20 vacation days per year.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
• Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
• Enjoy yearly company retreats to exciting European cities and other (virtual) team events, such as Lunch & Learn, Tech Lunch, Female Empowerment Forum, CEO Talks as well as our yearly Summer- and Winter Party.

Raisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95+ trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers.

Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding.

Raisin operates its own B2C marketplaces in Europe and the U.S. In Germany, the company offers ETF-based investment and retirement products in addition to savings products. Raisin works with over 400 banks and financial service providers from over 30 countries

We are backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G.

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.

In total, we have 8 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich, New York and Salt Lake City.

We also think it's important to take the time to celebrate our hard work and achievements together, with events like our yearly summer and winter party, as well as a couple of smaller get-togethers.

We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.