Collection & Risk Operations Manager (m/f/d)

Your mission

We're looking for an experienced Collections & Risk Operations Manager (m/f/d) to take ownership of key financial processes and help advance our mission of giving businesses fair, instant access to capital.

In this role, you'll own day-to-day financial operations and play a crucial part in payment reconciliation, underwriting, and customer communication - all while ensuring compliance and supporting our broader finance initiatives.

As an integral member of the finance team, you'll support the core risk and collections leads in their daily work: managing underwriting, driving operational debt recovery processes, active debtor communication, and collaborating cross-functionally to back business decisions with accurate, timely insights.

You'll also help us advance continuous improvement, automation, and operational excellence across the finance function.

If you're a proactive finance professional with at least two years of relevant experience and a hands-on approach, we'd love to hear from you.

WHAT YOU WILL DO

• Reconcile payments daily

• Clarify open items and disputes with merchants and bring findings to customer success

• Respond to debtor inquiries (written and phone) and conduct active outbound outreach

• Follow up on open collections tickets through the dunning ladder

• Validate incoming invoices against defined policy guardrails

• Manage invoice corrections with merchants through to closure

• Handle manual risk approvals within defined policy guardrails

• Monitor the active receivable portfolio, flag deteriorating exposure and draft recommendations for action

• Take on an ownership project over the term (e.g., reporting automation, dispute root-cause analysis)

Your profile

• At least 2 years of professional experience in B2B credit, AR/AP, collections, or trade-credit insurance.

• Advanced proficiency with Excel/ Google Sheets (pivot tables, lookups) and general MS Office/Workspace tools.

• Excellent attention to detail, problem-solving ability, and analytical mindset

• Autonomous, curious, collaborative, and creative - willing to challenge the status quo

• Excellent communication skills, with English at C1 level and German at B2 level.

Bonus points if you have:

• A Bachelor's degree, preferably in Finance, Business Law, or a related field.

• Experience in business lending, Buy-Now-Pay-Later, payments, or ML-driven credit decisioning.

• Fluency in French, Italian, or Spanish (C1 level)

Why us?

We ask you for nothing less than to help us to make a lasting change in how businesses do business. It's an invitation to an exciting journey with complex challenges, hard work and all the support needed to succeed as a team. Here is what we have for you:

• Minimum 28 days of holiday per year

• Dedicated personal development budget

• Permanent contract from the start

• Home office equipment support

• Choose your own hardware

• Flexible Benefit package (Spendit)

• Referral bonus

• Tilta Swag

• Company offsites

• Berlin Office with Barista
  .. and most of all, growth opportunities
  
  

About us

Tilta was founded in Berlin in 2022 by experienced fintech entrepreneurs and is home to a growing team of industry experts on a mission to modernize B2B transactions. We provide businesses with a digital infrastructure for B2B receivables management , offering instant liquidity and 100% default protection. Beyond just financing, our system automates the complete accounts receivable workflow - from debtor communication to dunning. This gives our clients maximum flexibility and control over their cash flow.

Tilta is an equal-opportunity employer dedicated to fostering a diverse and inclusive workplace. We strive to create a culture in which all individuals can reach their full potential regardless of their differences so that our team can thrive together through collaboration and mutual respect. We are committed to providing equal employment opportunities without discrimination based on race, color, national origin, gender identity or expression, sexual orientation, religion age disability marital status, or any other protected characteristics as outlined by the applicable law.