Operational Risk Manager

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 Risk Controlling team shapes Raisin Group’s resilience by establishing and maintaining the group-wide risk management framework in line with regulatory standards such as Basel. The team defines risk policies and controls and is responsible for identifying and assessing material risks across the group, including operational, credit, market, and liquidity risk, using methods such as risk assessments, stress testing, and scenario analysis. In addition, Risk Controlling continuously monitors the group’s risk profile through risk metrics, key risk indicators, and early warning signals. The team prepares risk reporting for senior management and regulatory authorities and supports capital and liquidity adequacy assessments in line with regulatory requirements, ensuring the business model is backed by appropriate risk-bearing capacity and liquidity strength. Your Responsibilities The Operational Risk Manager identifies, assesses, monitors, and reports operational risks in line with internal frameworks and regulatory requirements, including MaRisk and Basel III, as part of the second line of defense. Key responsibilities: * Perform operational risk identification and assessment, including RCSA, scenario analysis, and loss database management * Proactively follow up on operational risk events and conduct lessons-learned analyses with business units * Provide independent operational risk input to projects and New Product Approval Processes * Monitor risk indicators and oversee incident and loss reporting * Maintain and enhance the Operational Risk Management Framework in line with MaRisk and Basel III * Prepare operational risk reports for senior management and governance committees * Support development of risk appetite and control enhancements Your Profile You bring strong analytical capability, sound judgment, and a structured approach to operational risk management in a regulated banking environment. Key requirements: * Degree in Business Administration, Finance, Risk Management, Economics, or a related field * 3–5 years of experience in operational risk management, internal audit, or risk consulting within banking or financial services * Hands-on experience with RCSA, incident management, and risk indicators * Solid knowledge of regulatory requirements, including MaRisk and Basel III * Experience with risk management systems and tools, including loss database and RCSA tracking * Ability to balance operational execution with an enterprise-wide risk perspective * Strong communication skills to work across functions and present risk topics to senior management * Proactive, independent working style with strong ownership and attention to detail * Professional certifications are a plus 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 €2,000 and four full training days per year. * Flexible working hours, home office and 30 vacation days. * A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%. * Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.  * Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize 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. * Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office. * You are moving from another country or city to join us? We may support your relocation. 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.

IMC is a proprietary trading firm active in cryptocurrency markets around the clock, every day of the week. To support our expanding trading operations, we are seeking a Risk Manager specialized in digital assets to join IMC Zug. This role suits a detail-oriented individual who can work independently and take ownership of our digital risk management framework. You will have real opportunities to contribute to scaling, refining, and improving our risk processes. Based in Zug, you will be part of our European Risk team, with direct management responsibility for our growing local crypto risk team.  Your Core Responsibilities:  * Identify and manage market, credit, and operational risks across IMC's existing and new digital asset activities * Maintain and develop risk monitoring tools to measure and mitigate market and credit risk exposures * Contribute to operational risk management by designing, testing, and implementing key controls to strengthen our risk framework * Develop and implement policies and procedures to manage, control, and optimize these risks * Analyze digital asset market developments and help build, revise, and enhance risk methodologies and processes * Perform risk control self-assessments, including analysis of potential impact and likelihood of risk events * Collaborate daily with Trading, Finance, and Compliance Why This Role * You enjoy solving problems and tackling complex challenges * You want to provide insights and make decisions that directly impact the company's risk appetite * You want broad exposure to risk across trading, technology, and IMC's quantitative disciplines * You are looking for early responsibility and the freedom to grow Your Skills and Experience:  * 3 to 7 years of experience in financial risk management with relevant exposure to digital assets, ideally in proprietary trading or a related area * Genuine interest in and understanding of digital asset market structure, including custodians, exchanges, and DeFi * Experience with a programming language such as Python, MATLAB, or R * Ability to communicate complex topics clearly to business stakeholders * Strong organizational, problem-solving, and time-management skills * Self-starter with a proactive attitude who works well independently and as part of a team * Academic background in a quantitative field such as statistics, physics, or financial mathematics Location and Office Culture * IMC office in Zug, Switzerland * A dynamic, fast-paced environment with a steady stream of challenges and opportunities * Real responsibility from day one, with the support to make an impact * Flat structure and an open, collaborative culture built on sharing ideas, knowledge, and technology * This role is primarily on-site; remote working options are limited About Us IMC is a global trading firm powered by a cutting-edge research environment and a world-class technology backbone. Since 1989, we’ve been a stabilizing force in financial markets, providing essential liquidity upon which market participants depend. Across our offices in the US, Europe, Asia Pacific, and India, our talented quant researchers, engineers, traders, and business operations professionals are united by our uniquely collaborative, high-performance culture, and our commitment to giving back. From entering dynamic new markets to embracing disruptive technologies, and from developing an innovative research environment to diversifying our trading strategies, we dare to continuously innovate and collaborate to succeed.