Team Lead Fraud Screening (m/f/d)

Your Mission

Every day, we work together on tailor‑made solutions for large online retailers and marketplaces, shaping the payment solutions of tomorrow. Fraud prevention is one of the main levers for protecting our revenue and keeping our merchants’ checkout running smoothly.

We’re looking for a Team Lead Fraud Screening (m/f/d) who wants to own that challenge end‑to‑end: run a team on the front line, make fast calls with data, and keep our losses under control while we scale.

The Role

You will lead one of our Fraud Investigation teams in the Risk department and work in close collaboration with the second team lead. Together, you own:

• Day‑to‑day fraud operations
• Team performance and quality
• KPI steering and continuous improvement

Your work will directly show up in our contribution margin and in the trust our merchants place in us.

Key Responsibilities

• Run the floor: Set priorities, clear blockers, and make sure fraud cases are handled with a high level of quality.
• Hit the numbers: Monitor KPIs and design measures to get us back on track when something drifts.
• Be the fraud owner: Act as the go‑to person for all fraud screening questions from internal teams and key customers.
• Grow the team: Coach, give feedback, and create a culture where people are encouraged to share ideas and take responsibility to optimise processes.
• Upgrade how we work: Challenge and improve processes so they scale with volume instead of breaking under it.
• Connect the dots: Work with Product, Risk, Ops and external partners to make sure our fraud setup keeps up with our growth.

That’s What You Bring Along

• You have 2+ years of leadership experience (team lead, supervisor, or similar). Co‑leading teams is a plus, not a requirement.
• You’ve worked in fraud prevention, payments, risk, or e‑commerce operations and are comfortable making decisions with data and judgment.
• You’re organised and decisive: you keep multiple topics moving, set clear priorities, and don’t freeze when things get noisy.
• You lead with clarity and empathy: you set a high bar, explain why, and help people get better.
• You communicate clearly in German and English (min. B2) and can align different stakeholders around a decision.

If you’ve never worked in fraud but have strong operational leadership in a similar environment and are excited to learn about the domain, we still want to hear from you.

Please note: We are unable to cover travel expenses or sponsor visas. Therefore, we are looking for applicants who are already based in or around Berlin.

Equal Opportunities & Diversity

We value our diversity and welcome everyone to our team. Regardless of ethnic and social background, religious beliefs, worldview, gender, sexual orientation, physical and mental limitations, age, marital status, educational background and nationality. With over 200 employees and 40 different nationalities, we take our values seriously. These include ownership, growth, integrity, collaboration, customer centricity and inclusion.

About Us

We dare to design the future of payments, together. Born in the heart of Berlin’s fintech hub, Ratepay has passionately crafted tomorrow’s payment solutions for over a decade.

Today, we’re proud to be Europe’s leading white‑label Buy Now, Pay Later provider, trusted by brands like Eurowings, ZARA, and PUMA.

Our success comes from teamwork, openness, and continuous improvement. We value shared goals over egos, fostering a culture of courage, commitment, and warmth. Our dedicated team of 200+ professionals powers the entire payment value chain—from integration to AI‑driven risk management and dunning – delivering tailored payment solutions for businesses across Germany, Austria, Switzerland, and beyond.

At Ratepay, we never stop improving — our products, our processes, and ourselves.

Ready to transform commerce payments with us?