Pactum Collections GmbH

General Counsel

• 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

Senior Legal Advisor

Financial Planning and Analysis

• 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

Investment Manager

Compliance

• 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 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

• 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