Shine exists to help freelancers and small business owners reclaim the joy of working for themselves. Running a business shouldn't mean drowning in financial admin – it should be inspiring and rewarding. Our app brings banking, invoicing, accounting and admin together in one place, so entrepreneurs can focus on what matters most: growing their business and enjoying the freedom of working for themselves.

We're a multicultural team of over 400 people across France, Germany, Denmark and the Netherlands. By bringing together leading European fintechs like Shine, Kontist and Tellow, we've built a single, intuitive platform designed for simplicity, speed and accuracy ,backed by local, award, winning support.

Your hiring experience matters Just as we respect our customers' time, we respect yours. Your experience with Shine should feel simple, transparent and genuinely supportive. If this sounds like somewhere you want to grow, we'd love to hear from you

📍Job location in Paris or Berlin

Languages: English (Mandatory), French (Highly Desirable)

📋 Your Role as VP of Banking Operations at Shine

As our VP of Banking Operations, you will be the architect of the operational engine and will be responsible for the scalability, compliance, and efficiency of our banking operations as we expand from across Europe.

Reporting directly to the Chief Banking & Compliance Officer, you will lead the teams responsible for the backbone of our fintech: from seamless customer onboarding to complex fund flows, payments processing, and regulatory reporting. Your goal is to build a scalable, automated, and "bulletproof" operations department.

Key Responsibilities:

1. Banking Infrastructure & Payment Systems

• Payment Rails Management: Manage the technical and operational flows for our payment services (SEPA, cards, international payment, cash deposit, etc..).

• System Evolution: Partner deeply with Product and Engineering to evolve our Internal Core Banking System. You will act as the "Internal Client," prioritizing features that automate manual tasks, reduce latency, and improve data integrity.

2. Expansion & Regulatory Compliance

• End-to-End Oversight: Supervise the entire lifecycle—from Customer Onboarding (KYB/KYC) and Company Creation to ongoing Customer Surveillance (AML/CFT). You ensure that speed never comes at the expense of regulatory security.

• European Passporting: Lead the operational readiness for our entry into new markets. You must ensure that local KYC/AML nuances are integrated into our core processes without breaking the scalability of the central engine.

• Workflow Security & Control: Act as the First Line of Defense. You will design secure workflows with embedded controls to ensure all operations are processed safely and meet local regulatory requirements.

3. Operational Strategy & Cost Performance

• Scale & Unit Economics: Drive a relentless focus on monitoring the cost per Customer. You will analyze the "Cost to Serve" across all operational chains and implement strategies to maintain margins as we scale.

• The "10x" Roadmap: Design and execute the "Ops Roadmap" to support a 10x increase in transaction volume. Your goal is to transition from manual processing to fully automated workflows, ensuring that headcount growth remains flat relative to volume.

• Performance Culture: Define, track, and report on high-level operational KPIs You will be responsible for the department's productivity and the financial efficiency of our operational flows.

Required Profile

• Experience: 10+ years in Banking Operations, Payments, or Fintech, with a proven track record of managing P&L or operational budgets.

• Scaler Mindset: You have a proven track record of managing high-volume environments and of automating processes to set the ground for efficiency. You have experience moving an organization from "Manual/Startup" mode to "Industrial/Scale-up" mode. You love automation tools and hate manual spreadsheets.

• Payment Expert: Deep understanding of SEPA, Instant Payments, and Card Scheme operating rules.

• Data-Driven: You manage by the numbers. You can calculate the ROI of an automation project and justify the "Cost to Serve" impact to the Board.

• Regulatory Mastery: Deep understanding of payment systems, KYC/KYB, AML/CFT, and the European regulatory landscape (ACPR, BaFin, etc.).

• Leadership: Proven ability to mentor and foster a culture of excellence and accountability.

💚 Our recruitment process

1️⃣ A 45' first call with Cristiana Martins (Senior Talent Acquisition Manager) to get to know you better and share more about Shine.

2️⃣ A 45' interview with Fanta Duteis (Chief Banking & Compliance Officer) to discuss your past experiences and the role we are offering.

3️⃣ A 45' business case presentation to highlight your skills and give you a hands-on feel for the role.

4️⃣ A 30' team introduction, followed by a soft skills interview to see how we can best support your growth at Shine.