Portfolio Manager for Wholesale Banking

About the Opportunity

At Multitude, we’re more than just a listed European FinTech company—we’re a team driving financial innovation. We provide digital lending and online banking services that empower consumers, SMEs, and FinTechs to grow and succeed.

Powered by our Banking-as-a-Service Growth Platform, we operate through three business units: Ferratum, offering seamless mobile banking for consumers; CapitalBox, providing flexible financing for SMEs; and Multitude Bank, supporting non-bank lenders and FinTechs.

In 2024, we achieved €263.7 million in revenue and €20.2 million in net profit, reflecting strong financial growth. With 700+ employees across 25 countries, we’re shaping the future of finance in 17 markets. Founded in 2005 in Finland, Multitude is listed on the Frankfurt Stock Exchange (MULT).

Multitude Bank, regulated by the Malta Financial Services Authority, specialises in wholesale banking. As part of Multitude Group, it provides credit facilities and payment solutions to non-bank lenders and FinTechs, helping them scale operations. With a strong focus on security, innovation, and financial ecosystem growth, it plays a key role in Europe’s evolving digital finance landscape.

Responsibilities

• Oversee portfolio management activities including tracking collateral data, collecting company financials, and maintaining related reports.
• Monitor financial covenants and conduct regular trend analysis to assess portfolio performance and flag early warnings.
• Lead initiatives to automate portfolio monitoring and reporting processes to enhance data accuracy and efficiency.
• Prepare comprehensive client performance reports to support sales initiatives and identify credit risks.
• Conduct profitability analysis on clients and consolidate results for strategic portfolio review.
• Identify cross-selling opportunities and communicate these insights to Investment Managers.
• Perform detailed macroeconomic and industry trend analyses to support strategic decision-making.

About You

Must-have

• Bachelor’s degree in Finance, Economics, Accounting, or related field.
• Minimum of 5 years’ experience in portfolio management or credit risk within financial services.
• Proven ability managing institutional loan portfolios (€5M–€30M ticket size).
• Strong expertise in covenant monitoring, financial statement analysis, and cash flow evaluation.
• Experience in preparing performance reports and identifying commercial opportunities.
• Advanced analytical skills with high attention to detail.
• Excellent communication and stakeholder collaboration abilities.
• Understanding of regulatory requirements in banking and risk management.

Nice-to-have

• Master’s degree or certifications (CFA, FRM).
• Experience working in remote, cross-border financial institutions.

Benefits

• A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture.
• Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe.
• A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement.
• Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards.
• Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive.

About Company

We’re looking for someone passionate about portfolio risk and growth opportunities—if that sounds like you, we’d love to meet you. Apply now and shape the future of digital banking with us.

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