Senior Expert for Credit Risk and Payments&Collection

• Coordinate the Credit & Collections and Payments Expert Group across NatCos, establishing an effective expert community, facilitating alignment on priorities, and driving joint initiatives and decisions.
• Lead the international payment projects implementation across NatCos, coordinating business and IT stakeholders, managing dependencies and implementation progress, identifying risks and ensuring successful adoption and rollout.
• Manage and optimize payment processing capabilities, ensuring efficient, reliable and customer-oriented payment processes while identifying opportunities for automation, standardization and simplification.
• Drive Credit & Collections and Payments process excellence, identifying improvement opportunities and supporting the development of harmonized processes, standards and best practices across NatCos.
• Enable systematic knowledge sharing across NatCos, creating transparency on existing capabilities, solutions, lessons learned and successful practices and ensuring that expertise is actively transferred between markets.
• Scale successful solutions across the Group, assessing solutions implemented in individual NatCos for reuse and driving their industrialization, adaptation and rollout to additional markets.
• Ensure alignment with IT architectures and technology roadmaps, working closely with enterprise and solution architects to ensure that business requirements and proposed solutions are compatible with target architectures, integration principles and strategic platforms.
• Review and challenge process KPIs, creating transparency on Credit & Collections and Payments performance across NatCos, identifying performance gaps and defining improvement actions together with the relevant stakeholders.
• Provide senior-level functional expertise and guidance on Credit & Collections and Payments topics, supporting strategic initiatives, transformation programs and complex business decisions.
• Manage cross-functional and cross-country stakeholders, connecting NatCo business teams, Group functions, IT, architecture and project organizations to ensure effective decision-making and execution. 

• Deep expertise in Credit & Collections and Payments processes
• Strong understanding of payment processing, digital payment solutions, and IT platforms
• Strong cross-country coordination and stakeholder management skills
• Ability to lead expert communities and complex initiatives without direct line-management responsibility
• Proven project and implementation leadership experience, ideally in multi-country transformations
• Ability to manage dependencies, risks, priorities, and implementation progress across diverse market and IT environments
• Strong data- and performance-oriented mindset
• Ability to analyze operational KPIs, identify root causes, and translate insights into concrete improvements

• Annual Bonus (Variable Pay): In accordance with the employer’s remuneration policy, employees are eligible for an annual bonus of up to 5% of their annual total cash, subject to achieving 100% of the performance criteria defined by the employer.*  
• Meal Allowance: Meal contribution of EUR 7.50 per working day, of which EUR 6.50 is paid by the employer, provided in advance via a Ticket Restaurant card or as a financial allowance. 
• Cafeteria Benefits: Monthly contribution of EUR 25 to the Cafeteria benefits system or a MultiSport card.* 
• Company Mobile Phone: Company mobile phone for both business and personal use, including unlimited calls, SMS/MMS, and 15 GB of EU roaming data at 4G speed. After the data allowance is consumed, the speed is reduced to 128 kbps. 
• Flexible Working Hours: Employees can organize their working day according to their preferences, while respecting the core working hours from 9:00 AM to 2:00 PM. 
• My Days: Entitlement to one or more paid leave days without the need to provide a medical certificate. Additional paid leave is provided to parents of first-grade schoolchildren on their child’s first school day.* 
• Employee Referral Bonus: Reward of up to EUR 1,700 for the successful referral of a candidate hired on a permanent employment contract. 
• Telekom Product Discounts: Discounts of up to 50% on Telekom products, including internet, fixed-line, and mobile services. 
• Partner Discounts: Discounts with dozens of partners in the areas of health, sports, fashion, culture, travel, housing, and education.* 
• Supplementary Pension Contribution: Employer contribution to the employee’s selected supplementary pension scheme in the amount of 1.5% of gross salary.* 
• Learning & Development: Career development and training opportunities focused on both soft and hard skills. Employees receive a EUR 180 contribution towards language courses on each employment anniversary with DTSE Slovakia. 
• Corporate Events: Summer and Christmas parties, St. Nicholas Day events, Health Days, blood donation campaigns, team-building activities, and more. 
• Mojra.sk Psychological Counselling: Access to psychological counselling services through Cafeteria benefit points.* 
• Benefits for Future Parents: Employees receive a EUR 100 contribution upon the birth of a child. Fathers receive one additional week of paid leave on top of the statutory two-week paternity leave. Employees going on parental leave may retain their company mobile phone for up to one year. 
• Relocation Bonus: Employees relocating from another country to Slovakia based on an employment contract with DTSE Slovakia are eligible for a EUR 1,500 relocation allowance, paid during the first three months of employment (EUR 500 per month).

* Available after successful completion of the probation period as defined in the employment contract.