Izkušeni sodelavec v operacijah - zaledje kreditnim poslom // The Senior Back Office Associate

Izkušeni sodelavec v operacijah - zaledni pisarni bo opravljal kompleksnejša zaledna opravila, povezana s transakcijami, komuniciral z našimi partnerji za reševanje težav pri transakcijah, upravljal in spremljal dokumentacijo ter v zalednih sistemih, beležil poslovne dogodke v zvezi s kreditnimi transakcijami. Vloga vključuje tudi komunikacijo in nadzor dejavnosti izterjave, spremljanje morebitnih goljufij in sodelovanje pri različnih projektih.

Ključne odgovornosti:
● Spremljanje in obdelovanje dokumentacije ter skrb za natančno upravljanje, posodabljanje in shranjevanje vseh dokumentov v operacijah, vključno s pogodbami in podporno dokumentacijo;
● Izvajanje plačilnih transakcij, izdelava računov in izpiskov ter priprava plačilnih datotek;
● Knjiženje in preverjanje plačil (pregled bančnega izpiska, SEPA DD plačila, ipd), usklajevanje z bankami ter izvajanje nadzora finančnih operacij;
● Nadzorovanje mesečnih limitov (SEPA DD, revolving linije, ipd), priprava in izvedba rednih finančnih operacij ter skrb za natančno upravljanje finančnih podatkov;
● Načrtovanje, izvedba in nadzor zalednih postopkov za učinkovito upravljanje odobritve kreditov in izterjave ter zagotavljanje skladnosti teh procesov z internimi akti;
● Komunikacija in sodelovanje s finančnimi partnerji, računovodstvom ter zagotavljanje pravočasnega in natančnega finančnega poslovanja;
● Komunikacija in sodelovanje s partnerji za izterjavo terjatev;
● Spremljanje morebitnih goljufij;
● Usposabljanje in mentorstvo ostalim članom ekipe;
● Prepoznati priložnosti za izboljšavo in avtomatizacijo procesov v operacijah;
● Sodelovanje pri razvojih projektih podjetja v operacijah.

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The Senior Back Office Associate will handle complex back-office tasks related to transactions, communicate with vendors to resolve transaction issues, manage and monitor documentation, and record business events on credit transactions in the back-end systems. The role also involves overseeing collection activities, monitoring potential fraud activities, and collaborating on various projects.

Responsibilities:
• Monitor and process documentation, ensuring accurate management, updating, and storage of all administration, including contracts and supporting documentation.
• Implement payment transactions, create invoices and statements, and prepare payment files.
• Post and verify payments, handle reconciliation with banks, and conduct financial data expiration control.
• Control monthly transaction limits, prepare and execute regular financial operations, and ensure accurate financial data management.
• Monitor concluded transactions, record business events, and perform back-end monitoring and administration of credit transactions.
• Control and confirm verifications, manage approval and underwriting processes, and ensure compliance with internal policies.
• Communicate and cooperate with financial partners and external accounting agencies, ensuring timely and accurate financial operations.
• Track and manage bank deposits and payments, prepare and verify financial documentation, and handle reporting and data quality control.
• Handle collection activities and monitor potential fraud activities.
• Train and mentor junior team members.
• Identify opportunities for task automation and communicate new features.
• Collaborate with various departments to improve customer experience and internal processes.
• Ensure compliance with financial regulations and internal policies, maintaining up-to-date knowledge of relevant legislation and standards.

● Več kot 3 leta izkušenj v zaledni pisarni, administraciji ali podpori, po možnosti v finančnih instituciji,
● Najmanj srednješolska izobrazba ekonomske smeri ali sorodnega področja,
● Odlične organizacijske in komunikacijske spretnosti, odprtost in sposobnost za timsko delo,
● Poglobljeno razumevanje osebnih financ, potrošniških posojil, odgovornega kreditiranja, bančništva na drobno, zavarovalništva na drobno, poslovanja s kreditnimi karticami, fintech in podobno,
● Samoiniciativnost, vestnost in natančnost,
● Dokazana uspešnost pri učenju in strokovnem napredovanju,
● Poznavanje standardov in pravil komuniciranja ter izkušnje na področju izterjave
● Napredno znanje orodij Microsoft Office, zlasti programa Excel.

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Qualifications:
• 3+ years of experience in the back office, administration, or support, preferably in consumer lending institutions;
• High school or higher education degree in Economics or related field;
• Good knowledge of communication standards and rules, experience in collections;
• Excellent organizational and communication skills, openness, and an aptitude for teamwork.
• In-depth understanding of personal finance, consumer loans, responsible lending, retail banking, retail insurance, credit card business, fintech, and similar.
• Strong self-initiative, conscientiousness, and accuracy.
• Proven track record of learning and professional progression.
• Excellent knowledge of communication standards and rules, and experience in collections.
• Advanced proficiency in Microsoft Office, especially Excel.

● Priložnost za delo v inovativnem in rastočem Fintech podjetju,
● Dinamično delovno okolje z možnostjo kariernega napredovanja,
● Sodelovanje z izkušenimi strokovnjaki na področju financ in tehnologije,
● Enoizmensko delo,
● Delovno razmerje bomo sklenili za nedločen čas, s 6 mesečnim poizkusnim delom.

Zainteresirani kandidati naj pošljejo svoj življenjepis in motivacijsko pismo, v katerem navedejo svoje kvalifikacije in izkušnje, na naslov Moje Delo.com.

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O podjetlju:
Leanpay (//www.leanpay.com) je 8 let staro Fintech podjetje, prisotno na treh trgih. Naše poslanstvo je omogočiti potrošnikom plačilo kateregakoli izdelka ali storitve na obroke v trgovini in na spletu v nekaj klikih – brez papirologije, čakanja ali obiska banke.
Smo vodilno podjetje v Sloveniji za BNPL in digitalno financiranje na prodajnem mestu (dPOSF). Leta 2022 smo se razširili v Romunijo, v letošnjem letu pa tudi na Madžarsko.
Naša ekipa izkušenih strokovnjakov s področja maloprodaje, bančništva in razvoja finančne programske opreme nam omogoča ustvarjanje rešitev, ki naši mreži trgovin in njihovim strankam prinašajo dodano vrednost.

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Leanpay cultivates a flexible work environment as well as a dynamic and agile operating model that will give anyone a high level of responsibility and exposure to the company’s core business. Any successful candidate will have the chance to work with a talented and bold team, which will contribute to their personal and professional growth.

• Opportunity to work in an innovative and growing Fintech company;
• A dynamic work environment with the possibility of career advancement;
• Cooperation with experienced experts in the field of finance and technology;
• One-shift work schedule;
• An indefinite period contract with a 6-month trial period.

If you believe you are the right person for this job, please apply here on Moje Delo portal. We are looking forward to hearing from you. Only shortlisted candidates will be contacted.

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About Us:
Leanpay is a 8 year old Fintech company, fulfilling a mission to enable consumers to pay for any product or service in installments in any shop and in any channel with only a few clicks. Leanpay assures immediate response, no worries about paperwork, no waiting or separate trips to the bank, and no need for a credit card or other financial product onboarding.
Buy Now Pay Later (“BNPL”) and digital Point-of-sale Finance (“dPOSF”) are the hottest trends in Fintech and Leanpay is working hard to be at the forefront of that trend in Central and South-eastern Europe.
Currently, Leanpay is a dPOSF leader in Slovenia. In 2021 Leanpay successfully finished Series A funding round, and in 2022 Leanpay continued its internationalization and growth into Hungary and Romania.