Senior Risk Controller (f/m/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 Risk Controlling department is responsible for establishing and maintaining a robust, group-wide risk management framework aligned with Basel principles and guidelines. This involves implementing policies and controls to identify, measure, monitor, and manage the bank's risks, including credit, market, operational, and liquidity risk. The team's primary functions are ongoing risk profile monitoring, preparing accurate risk reports for stakeholders and regulators, and assessing capital and liquidity adequacy according to regulatory frameworks like CRR. Your Responsibilities In this role, your core responsibilities includes the following: Lead Normative ICAAP Management: Oversee the normative perspective of the Internal Capital Adequacy Assessment Process (ICAAP), ensuring continuous regulatory capital compliance for the bank and the group across a multi-year planning horizon, including adverse and stress scenarios. Develop and Maintain the Recovery Plan: Own the bank's Recovery Plan, including the monitoring and monthly reporting of recovery indicators to the Management Board for early detection of financial or operational crises. Manage New Product & Process Oversight (NPP / AT 8.2): Drive Risk Controlling's involvement in New Product Processes (NPP) and significant process/IT changes (MaRisk AT 8.2), providing independent risk assessments and sign-offs for new business models, products, or organizational restructuring. Prepare Risk Reporting & Governance: Contribute to and prepare risk reports for senior management, governance bodies, and regulatory authorities (BaFin/Bundesbank), providing deep-dive analyses into risk concentrations and capital adequacy. Coordinate the Annual Risk Inventory: Support the annual risk inventory process to identify all material risks including credit, market, operational, and ESG factors and establish a comprehensive, uniform risk profile. Execute and Oversee the Biennial LSI Stress Test: Manage the end-to-end execution of the LSI Stress Test, coordinating data collection across departments, performing sensitive results analysis, and ensuring the timely submission of high-quality results to supervisory authorities (BaFin/Bundesbank). Your Profile To succeed in this role, you will need the following skills and professional experiences: Degree in Business Administration, Finance, Risk Management, Economics, or a related field. Minimum of 7 years of professional experience in risk management or risk consulting within the banking or financial services sector. Hands-on experience with core regulatory processes, specifically ICAAP, Recovery Planning, and New Product/Process Oversight (NPP/AT 8.2). Solid knowledge of regulatory requirements, including MaRisk and Basel III. Experience with risk management systems and tools. Professional certifications are a plus. Strong analytical capability, sound judgment, and a structured approach to risk management in a regulated banking environment. Strong communication skills to effectively work across functions and present complex risk topics to senior management. A proactive, independent working style demonstrating strong ownership and meticulous attention to detail. Ability to balance operational execution with a comprehensive, enterprise-wide risk perspective. Join our mission, join our team – and grow with us! At Raisin, we care about each other and it is one of