Lead PayOps

Are you looking to have an impact on the daily life of millions of entrepreneurs in France (and tomorrow in Europe)? Are you looking for a work environment that values trust, proactivity, and autonomy? Then Pennylane is the right place for you ! Our vision We aim to become the most beloved financial Operating System of French SMEs and Accounting Firms (and soon, European ones). We help entrepreneurs rid themselves of time-consuming tasks related to accounting and finance while providing them with access to key financial information to assist in making the best decisions for their business.

Pennylane is one of the fastest growing Fintechs in France (and soon to be in Europe!) In 5 years of existence, we’ve managed to : 💻 Make ourselves known as a groundbreaking accounting and financial software for small businesses and their accountants 💰 Raise a total of €400 millions, including from Sequoia, the famous fund from the Silicon Valley who invested early in companies like Google, Facebook, Airbnb, Stripe, Paypal and much more... 👨‍👩‍👧‍👦 Grow from 7 cofounders to 1000 happy Pennylaners : we’re now recognized as one of the greatest places to work in France (and also remotely), with a 4.6/5 rating on Glassdoor . 🌍 Build an international environment with more than 25 nationalities, with a strong remote-friendly culture, where 30% of the employees are already working from all parts of Europe 🤝 Earn the trust of thousands of customers and accounting firms and obtain outstanding ratings 🚀 Already more than 1 300,000 small and medium-sized enterprises (SMEs) and over 6000 accounting firms use Pennylane in France! Role context Pennylane operates today tens of thousands of business accounts through a BaaS model. As Financial Services becomes a larger part of Pennylane’s strategy, we are building Pennylane Financial Services and applying for Établissement de paiement and Société de financement licences. Our ambition is to start onboarding new customers under our own licensed entity by early 2027, before progressively migrating existing customers. To make this possible, we are building the operational foundations of a regulated financial entity across onboarding, transaction monitoring, fraud, risk and payment operations. As Lead Payment Operations , you will be one of the first operational leaders joining this greenfield setup. Reporting to the General Manager / Head of Operations of Pennylane Financial Services, you will own the operational execution of payment operations across SEPA transfers and direct debits, cards, international transfers, cheques, and cash / collateral management. Your mission will be to build, structure and scale the payment operations setup needed to support growing volumes, ensure reliable execution, manage incidents, and protect customer experience while embedding the controls expected from a strong first line of defense. This is a high-autonomy role with direct exposure to a strategic regulatory project, close collaboration with Product, Tech, Compliance, Risk and external payment partners, and the opportunity to shape the payment operating model of a fast-growing fintech serving hundreds of thousands of French SMEs.

Payment operations & execution Own the end-to-end operational execution of payment operations across: SEPA transfers and direct debits, cards, international transfers, cheques, cash and collateral management. Ensure day-to-day reliability of payment operations, including exception handling, operational follow-up, issue resolution, external requests. Act as the operational point of escalation for payment incidents: triage, coordination, customer impact assessment, mitigation, root cause analysis and durable corrective actions. Maintain strong auditability of operational decisions, reconciliations, exceptions and incidents. Operating model, controls & scalability Build and continuously improve the payment operations operating model: