Lead Financial Products and Payment Solutions (f/m/x) - remote

Founded in 2017, we're Europe's fastest-growing marketplace for refurbished products, active in 12 European countries, having surpassed €2Bn in GMV - all this while being profitable. With beautiful headquarters in Vienna, we have a remote-first culture and Refurbed’s 250 employees can also enjoy two months of workation per year. We’ve been recognized for three consecutive years as the Top DACH Employer by Kununu. Our mission is to empower customers to buy products up to 40% cheaper while making a substantial impact on reducing CO2 emissions - Join us to make consumption more sustainable! As we continue to scale, we are strengthening our financial and payment capabilities to make our platform even more efficient, reliable, and attractive for all participants in our ecosystem. To support this journey, we are looking for an experienced Lead / Head / Director Financial Products to join our Finance team and help shape the next phase of refurbed’s growth. This is a senior, hands-on position combining financial expertise, product understanding, and strong execution skills.

WHO YOU ARE:

• Deep expertise in payments, lending, financial products, or structured financing.
• Experience in building and scaling financial solutions in a fintech, or platform business.
• Strong relationship and negotiation skills with banks, PSPs, and financial institutions.
• Solid understanding of payment infrastructure, PSP management, and cross-border transaction flows.
• Excellent financial modeling and analytical skills, ablility to assess new opportunities and evaluate risk-return profiles.
• Knowledge of FX management, treasury, or liquidity optimization is a plus.
• Strong understanding of regulatory framework around Fintech and Banking is a plus.
• Strong cross-functional collaboration and communication skills.
• Pragmatic, entrepreneurial, and hands-on mindset suited for a fast-paced growth environment.

WHAT YOU'LL DO:

In this role, you will take ownership of Refurbed’s financial products and payment infrastructure agenda. You will design and implement solutions that improve the overall efficiency of financial flows, enhance the platform’s payment setup, and develop the right partnerships to scale Refurbed’s financial capabilities across markets.

You’ll work closely with Finance, Product, Tech, Legal, and external partners to deliver solutions that are commercially sound, compliant, and scalable, enabling continued growth and operational excellence. Below are more details:

Develop from scratch financial products to create value for both sides of our marketplace through new services

• Establish and manage partnerships with banks, PSPs, and financial service providers to enable innovative financial solutions and improve payment processes.
• Define and execute a long-term PSP strategy, ensuring a best-in-class, reliable, and cost-efficient setup across all markets.
• Build and present investment and funding cases for financing opportunities that support Refurbed’s growth and platform initiatives.
• Oversee the business and financial performance of new financial solutions ensuring scalability, profitability, and governance alignment.
• Evaluate and develop in-house payment capabilities and FX strategies where strategically relevant.
• Collaborate cross-functionally with internal teams to design and deliver automated, compliant, and scalable financial solutions.
• Represent Refurbed externally in negotiations with financial partners, institutions, and other key stakeholders.

WHY YOU WILL ENJOY WORKING WITH US:

Our Culture and Values:

• Decisions should be made based on facts and not by hierarchy levels? We sure think so!
• We embrace giving and receiving feedback, testing and welcoming new ideas, as well as sharing our knowledge across the company.
• You fail sometimes? Well, so do we! We’re all just human, let’s learn from our mistakes to improve in the future!
• No matter who you love, where you’re from, who you pray to, whether you pee sitting down or standing up – we are a bunch of talented people who enjoy spending our time making a difference!

Personal & Professional Development:

• You'll have access to a dedicated learning budget within your department to support your growth, whether it's courses, conferences, or other learning opportunities that matter to you.
• We partner with Likeminded, offering you private sessions with experts for your personal growth and mental health.
• We frequently host internal workshops, allowing our teams to further develop their skills in different areas and enhancing collaboration across departments.

Flexibility:

We care about a healthy work/life balance. We not only function and support a fully remote setting but also offer the possibility to work from our beautiful office in the vibrant heart of Vienna – we love dogs, so feel free to bring your furry little buddy too 😊 We trust you to do the best job, so we don't care so much when you do it – you are able to self-organize. You will also be invited to take part in our office weeks, happening three times a year, where you will have the chance to work side by side with your colleagues and enjoy the team-building events and on-site workshops …and much more! See https://careers.refurbed.com/ for further insights!