Working Student Deposit Operations (m/f/d)

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 Synchronised Model Deposit Operations Team is a specialized unit within the Operations Department responsible for the technical and operational management of real-time deposit flows for partners using Portal, Hybrid, and Automation integration models. In these models, the Deposit-taking Bank (DtB) remains the source of truth for the deposit ledger, and the team ensures Raisin’s systems stay aligned with the bank's records.

Your Responsibilities

• Payment & Sync Governance: Execute and supervise real-time automated payment flows. Perform manual interventions and corrective postings under the Four-Eyes Principle to resolve synchronization lags and ensure transaction finality.
• Data Integrity & Reconciliation: Conduct daily high-frequency reconciliations between internal ledgers and partner bank data. Investigate "out-of-sync" scenarios to ensure permanent data parity and maintain audit-proof documentation.
• Partner & SLA Management: Serve as the primary operational liaison for Sync Model DtBs. Monitor interface uptime and latency in accordance with regulation, leading root cause analyses for any technical drifts.
• Technical Integration: Coordinate tech enhancements and system releases. Lead Operational Validation to ensure that technical rollouts maintain system stability and data integrity.
• Process Optimization: Partner with Product and Tech to refine processes and deposit logic. Provide operational requirements for new features, driving automation and scaling the onboarding of new partners while mitigating Operational Risk (OpRisk).

Your Profile

• Currently enrolled in a Bachelor’s or Master’s program in Business Administration, Data Science, Economics, Law, Marketing, or a related field.
• Prior internship or practical experience in startups, consulting, or operations is a plus. Early-career candidates and motivated fast-learners are also strongly encouraged to apply.
• Proficient in Microsoft Excel for data organization and analysis.
• Comfortable balancing independent problem-solving with close team collaboration.
• Advanced proficiency (C1 level or higher) in both English and German.

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 €400 and one full training day per year.
• Flexible working hours, home office and 20 vacation days per year.
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• 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.

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.