Pactum Collections GmbH

Data Analyst

• Lead analytics for collections performance, portfolio segmentation, and recovery optimization.
• Build and maintain dashboards, KPIs, and automated reports for collections and risk teams.
• Analyze delinquency, roll rates, repayment patterns, and behavior trends to identify actionable insights.
• Partner with operations, risk, collection process analysts, and data engineering teams to improve data accuracy and analytical capabilities.
• Evaluate treatment strategies, collection campaigns, and A/B tests to measure performance and recommend improvements.
• Support advanced analytics and predictive modeling initiatives in collaboration with the Data Science team.
• Ensure consistent data quality, governance, and documentation across data processes.

Senior Data Analyst

• Lead analytics for collections performance, portfolio segmentation, and recovery optimization
• Build and maintain dashboards, KPIs, and automated reports for collections and risk teams
• Analyze delinquency, roll rates, repayment patterns, and behavior trends to identify actionable insights
• Partner with operations, risk, collection process analysts, and data engineering teams to improve data accuracy and analytical capabilities
• Evaluate treatment strategies, collection campaigns, and A/B tests to measure performance and recommend improvements
• Support advanced analytics and predictive modeling initiatives in collaboration with the Data Science team
• Ensure consistent data quality, governance, and documentation across data processes

Compliance

• Support the Head of Legal and Compliance and Deputy Head of Regulatory Compliance in maintaining an effective control framework and ensuring adherence to external laws, internal policies, and best market practices
• Serve as a key advisor on regulatory impact analysis, ensuring compliance standards evolve alongside regulatory requirements
• Conduct internal compliance reviews, assess regulatory and policy adherence, and prepare reports on findings and follow-up actions
• Assist with thematic reviews by coordinating data collection, preparing documentation, and ensuring timely responses to regulatory authorities
• Contribute to the compliance risk assessment process, identifying risk areas and advising on mitigating actions
• Support the Regulatory Compliance agenda within governance forums and provide targeted compliance training to employees
• Oversee and maintain an independent Compliance Management System, ensuring regular updates and adherence to new standards
• Develop and maintain a Compliance Monitoring Manual that reflects current regulations and industry standards
• Oversee incident reporting and corrective action coordination, ensuring effective follow-up and communication to management
• Ensure compliance with all license and permit conditions, codes of practice, and compliance registers
• Maintain up-to-date compliance policies and procedures, ensuring alignment with evolving regulatory requirements
• Coordinate reporting to regulatory authorities and prepare comprehensive internal and external compliance reports
• Provide guidance on regulatory obligations and liaise with supervisory authorities on compliance matters
• Review legal notices and advise management on regulatory changes to ensure adherence to new frameworks
• Conduct annual risk evaluations, oversee assessments of outsourced activities, review marketing materials, and ensure product and service compliance

Senior Regulatory Compliance Officer

Sales

• Lead, coach, and motivate Business Development Partners to meet revenue and growth targets, aligned with the Bank’s commercial and risk strategies
• Drive new client acquisition and manage key institutional relationships, engaging senior stakeholders to close deals and sustain long-term partnerships
• Define and execute the Payments Business growth plan, focusing on priority sectors and jurisdictions, and identify and convert high-value opportunities
• Oversee the full client lifecycle—from lead generation and due diligence through onboarding and ongoing relationship management—ensuring efficiency and client satisfaction
• Develop and maintain scalable sales and pricing processes, and ensure accurate CRM data, forecasts, and team KPIs
• Collaborate with Compliance and Risk teams to ensure all business aligns with AML/CFT and regulatory frameworks and support continuous enhancement of the Customer Acceptance Policy and Business Risk Assessment
• Identify and implement process improvements to speed onboarding, strengthen controls, and enhance service delivery
• Analyse market, regulatory, and competitor trends to refine sales strategy, product offering, and market positioning

Head of Sales – Payments Business

Technical Product Manager

• Own the delivery and execution of Workday system changes, configurations, and enhancements across multiple modules (FINS, HCM, Adaptive Planning)
• Translate Finance, HR and business requirements into functional designs and configurations with Workday SMEs and stakeholders
• Manage end-to-end lifecycle of system changes and related projects: requirements gathering, configuration, testing, documentation, training, deployment, and budget oversight
• Hands-on configuration of Workday: business processes, security roles, calculated fields, condition rules, and reporting
• Partner with IT and vendors to manage integrations, data loads, security updates, and system performance
• Support Workday release cycles: analyse new features, assess impacts, lead testing, and drive adoption
• Provide day-to-day system support and troubleshooting, resolving issues with Finance and HR
• Maintain governance and compliance: system documentation, data integrity controls, audit logs, and change management processes
• Lead Workday reporting, dashboards, and analytics governance
• Develop training materials and support structures to ensure user proficiency and continuous improvement

Technical Product Owner, Workday

• Own the delivery and execution of Workday system changes, configurations, and enhancements across multiple modules (e.g., FINS, HCM, Adaptive Planning)
• Translate Finance, HR and business requirements into functional designs and configurations, working closely with the Workday SME and stakeholders
• Manage the end-to-end lifecycle of system changes and related projects, including requirements gathering, configuration, testing, documentation, training, deployment, and budget oversight
• Directly configure Workday, including business processes, security roles, calculated fields, condition rules, and reporting
• Partner with IT and vendors to manage integrations, data loads, security updates, and system performance
• Support Workday release cycles: analyse new features, assess impacts, lead testing, and drive adoption of relevant functionality
• Provide day-to-day support and troubleshooting, working closely with Finance and HR to resolve system issues promptly
• Maintain system documentation, data integrity controls, audit logs, and compliance standards, ensuring robust change management processes
• Lead initiatives around Workday reporting, dashboards, and analytics governance
• Develop training materials and support structures to ensure user proficiency and smooth adoption

Workday Technical Product Owner

Account Manager

• Lead the Complaints & Disputes team to ensure timely, fair, and compliant resolution of escalated cases
• Oversee processes for complaints, GDPR requests, and fraud-related inquiries
• Act as the escalation point for complex or sensitive issues requiring cross-functional collaboration
• Analyze trends and provide insights to leadership
• Ensure GDPR requests are processed in line with regulatory requirements in cooperation with the DPO and Compliance
• Oversee coordination with Fraud, Risk, and Legal functions on fraud-related inquiries
• Maintain accurate documentation and reporting of GDPR and fraud cases for audits and regulators
• Establish and manage quality frameworks and evaluation tools across Customer Operations
• Monitor interactions for compliance, service quality, and resolution effectiveness
• Provide structured feedback to Market Managers and Performance Coaches, and report on quality outcomes to senior leadership
• Oversee tools and systems used by the Complaints & Disputes team, ensuring accuracy and consistency in evaluation tools
• Deliver regular reports on complaints, GDPR requests, fraud inquiries, and quality metrics
• Recommend process improvements to strengthen customer experience and compliance
• Lead, mentor, and develop the Complaints & Disputes team
• Act as liaison with DPO, Compliance, Fraud, and Risk departments
• Collaborate with leadership to align complaints, GDPR, fraud, and quality frameworks with business goals
• Foster a compliance-driven and customer-focused culture

Customer Relations Manager

• Spearhead strategic planning, delivery excellence, and continuous improvement of the Workday platform
• Align Workday with business goals, drive adoption, and manage governance across the FinTech ecosystem
• Own delivery and execution of Workday system changes, configurations, and enhancements across multiple modules (e.g., FINS, HCM, Adaptive Planning)
• Translate Finance, HR and business requirements into functional designs and configurations, working closely with Workday SMEs and stakeholders
• Manage end-to-end lifecycle of system changes and related projects: requirements gathering, configuration, testing, documentation, training, deployment, and budget oversight
• Hands-on Workday configuration including business processes, security roles, calculated fields, condition rules, and reporting
• Partner with IT and vendors to manage integrations, data loads, security updates, and system performance
• Support Workday release cycles: analyse new features, assess impacts, lead testing, and drive adoption
• Provide day-to-day system support and troubleshooting with Finance and HR to resolve issues promptly
• Maintain system documentation, data integrity controls, audit logs, and compliance standards with robust change management processes
• Lead Workday reporting, dashboards, and analytics governance initiatives
• Develop training materials and support structures to ensure user proficiency and smooth adoption

Product Designer

• Design user interfaces for web and mobile applications, ensuring consistency and modern aesthetics
• Collaborate with UX designers to translate wireframes, prototypes, and research insights into high-fidelity designs
• Develop and maintain design systems, style guides, and component libraries
• Ensure designs meet accessibility standards (WCAG, inclusive design principles)
• Partner with developers to ensure accurate implementation of designs
• Conduct design reviews, gather feedback, and iterate on solutions
• Stay current with UI trends, emerging technologies, and best practices
• Contribute to building a strong design culture within the organisation

UI Designer

General Counsel

• Reviewing, drafting, and negotiating legal agreements with suppliers, merchants, customers, and other third parties
• Supporting commercial engagements across the business
• Monitoring regulatory developments and offering strategic legal guidance
• Drafting and reviewing internal policies and procedures
• Managing legal risks and handling consumer or partner complaints
• Collaborating with cross-functional teams to identify and resolve legal issues
• Advising on payment services, consumer crediting, distance selling, employment law, and data protection
• Coordinating with external legal counsel for foreign jurisdiction matters
• Taking on other legal assignments as needed

Senior Legal Advisor

Financial Planning and Analysis

• Execute investment strategies aligned with the Bank’s objectives and robust investment policy
• Perform deep-dive balance sheet, cash flow, and P&L analysis to assess investment opportunities, risks, and structuring options
• Author high-quality Investment Memoranda covering financials, markets, and competitive dynamics for presentation to senior committees
• Engage with investee companies, negotiating terms, structuring deals, and managing post-investment relationships
• Work hand in hand with relationship managers and internal teams to ensure seamless deal progression
• Ensure regulatory adherence, particularly AML standards, while maintaining disciplined risk assessments
• Monitor economic trends, industry developments, and trading updates to guide investment decision-making

Investment Manager

• Lead a team responsible for onboarding and managing regulated corporate/institutional clients.
• Act as the lead contact for regulated institutional clients, overseeing onboarding and lifecycle management.
• Ensure CRA, EDD, and other risk assessments comply with internal standards and regulatory expectations.
• Provide guidance to Officers and Analysts in managing high-risk and complex client cases.
• Support FCC-compliant solutions through proactive engagement with the 2nd line of defence.
• Coordinate or lead in-depth AML framework reviews independently or in collaboration with external advisors.
• Oversee transaction monitoring effectiveness, analysing client activity and refining monitoring rules as needed.
• Collaborate with product and strategy teams to balance compliance integrity with commercial growth.

Corporate Onboarding and Compliance Manager

• Execute investment strategies aligned with the Bank’s objectives and investment policy
• Perform deep-dive balance sheet, cash flow, and P&L analysis to assess investment opportunities and structuring options
• Author high-quality Investment Memoranda covering financials, markets, and competitive dynamics for senior committees
• Engage with investee companies, negotiate terms, structure deals, and manage post-investment relationships
• Collaborate with relationship managers and internal teams to ensure seamless deal progression
• Ensure regulatory adherence (particularly AML) and maintain disciplined risk assessments
• Monitor economic trends, industry developments, and trading updates to guide investment decision-making
• Evaluate complex financial statements and steer opportunities from origination through execution

• Handle complex legal matters across multiple jurisdictions and provide strategic legal support to various business functions
• Review, draft, and negotiate legal agreements with suppliers, merchants, customers, and other third parties
• Support commercial engagements across the business and coordinate with senior stakeholders
• Monitor regulatory developments and offer strategic legal guidance
• Draft and review internal policies and procedures
• Manage legal risks and handle consumer or partner complaints
• Collaborate with cross-functional teams to identify and resolve legal issues
• Advise on payment services, consumer crediting, distance selling, employment law, and data protection
• Coordinate with external legal counsel for foreign jurisdiction matters
• Take on other legal assignments as needed