At RSB, our Risk Controlling team is focused on managing risk exposure across the business. We identify, evaluate, and report on key risks while supporting decision-making with data-driven analysis.

Our key responsibilities include:

• Risk Management Framework: We establish and maintain a robust, group-wide risk framework aligned with Basel guidelines. This includes setting policies, procedures, and controls to identify, measure, monitor, and manage all relevant risk types.

• Risk Identification & Assessment: We assess the bank’s exposure to credit, market, operational, and liquidity risks using methods such as stress testing, scenario analysis, and risk evaluations.

• Risk Monitoring & Reporting: We monitor the bank’s risk profile and produce timely, accurate reports for internal stakeholders and regulatory bodies. This includes tracking risk metrics, key indicators, and early warning signals.

• Capital & Liquidity Adequacy: We evaluate capital and liquidity adequacy in line with CRR and Basel requirements. This includes oversight of capital ratios, liquidity metrics, and stress testing to ensure compliance and support the bank’s strategic objectives.

At Raisin and RSB, we’re strengthening our second line to manage it with greater structure, clarity, and confidence. As Operational Risk Manager, you will work closely with the wider Risk Controlling team to ensure operational risks are identified, followed up on, and reported with precision and insight.

This role is about shaping how we think about operational risk: connecting regulatory expectations with our actual business, improving existing processes, and helping us move from reactive fixes to proactive controls.

• Own the operational risk lifecycle: from risk identification and assessment (RCSA, scenario analysis) through to follow-ups and loss event analysis.
• Bring structure to the chaos: proactively build and enhance operational risk controls, risk indicators, and lessons-learned practices.
• Collaborate cross-functionally: work with Risk Controlling colleagues (ops, credit, ESG) and the first line to embed best-practice risk governance.
• Maintain and improve our frameworks: ensure alignment with Basel III, CRR, MaRisk, and EBA expectations.
• Enhance how we report: draft risk reports for senior stakeholders that are clear, prioritised, and visually effective
• Support smarter tooling: contribute ideas to automate and improve risk tracking (Excel, Jira, and dynamic reporting tools).
• Be part of a lean team: your voice will be heard, and your work will directly impact how we build risk maturity across Raisin and RSB.

• 2–5 years of experience in operational risk, internal audit, risk consulting, or a closely related area in banking or financial services.
• Deep understanding of operational risk and how it differs from other non-financial risks.
• Familiarity with Basel III, CRR, MaRisk, and EBA frameworks. You do not need to be a policy expert, but you should be detail-oriented and know how to check regulatory requirements.
• Strong working knowledge of RCSA, incident management, and risk indicators.
• A structured, independent working style with a proactive mindset and a drive to improve what is already there.
• Good command of Excel and Jira. Bonus if you have worked with risk databases or dynamic reporting tools.
• Excellent written and verbal communication skills in English.
• A desire to understand our business deeply. Even if you do not come from a fintech background, you are motivated to learn quickly and apply that knowledge to better risk outcomes.

• Familiarity with internal audit or ESG-related risk frameworks.
• Professional certifications (e.g. FRM, PRM) are a plus but not required.

• Employee Development Budget of €2,000 and access to Babbel for continuous learning.
• Exciting cooperation partners and projects in the banking and Start-Up environment.
• A fully cloud-based Banking-as-a-Service Platform.
• Company-wide use of industry-leading tools for analysis, development, communication and collaboration such as AWS Stack, Splunk, GSUITE, Slack, Atlassian Suite (Jira, Confluence, Trello) and many more.
• Dynamic environment, a hands-on mentality and agile ways of working.
• Flexible working hours and 30 days holiday plus Christmas Eve and New Year's Eve off.
• Collegiality and a supportive learning environment.
• Promotion of company pension schemes and capital-forming payments (vermögenswirksame Leistungen).
• We subsidize the Deutschland Ticket 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
• A diverse team of experts to learn from and to inspire each other.

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. under the brands Raisin and WeltSparen. 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 7 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich and New York.

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.