Payments Operations Associate

Hi, we're Penfold - We are on a mission to build the pension of the future
At Penfold, we're dragging pensions out of the dark ages with a modern, tech-first platform that makes pensions engaging, accessible, and rewarding.

We're a growing team of 50+ team members across London and Tallinn, backed by top FinTech investors. Having raised £20M+, we manage £700M+ in pensions for over 100,000 savers and thousands of businesses, and we're on track for profitability next year.

As part of our first 50+ hires, you'll play a key role in shaping our culture and enjoy significant opportunities for growth and progression.

The role
We are looking for an empathetic, proactive, and hard-working person to join us.

Our operations team is the glue that holds the business together, covering both customer support and all of the back end processes that are essential to keeping our customers happy.

This role will be dedicated to keeping our operational processes running with high speed and efficiency. Having successful, efficient processes is pivotal for our business success, customer satisfaction and one of our key focuses

You will be integrated into our rapidly growing operations team meaning you'll be part of running, defining and streamlining our processes and best practices, so that we can continue to deliver a high-quality service as our business grows.

Our business and our operations team are rapidly growing and therefore the responsibilities within this role will keep adapting, and there are huge progression opportunities.

We are looking for someone with 1+ years of work experience, but this can be from a variety of backgrounds.

Here's some of the stuff you'll be doing:

• You will be responsible for performing a broad range of operational tasks.
• You will need to use your initiative to ensure the processes run super efficiently and smoothly
• The tasks require a high level of attention to detail and speed.
• You will be working closely with other members of your team including team members who will be more customer-focused.
• You will need to be constantly optimising the operational processes, thinking from first principals to ensure we are building an efficient, scalable operational engine

About You

• You are or will be based in Tallinn, Estonia
• Your verbal and written English skills are excellent
• You will need to be a fast learner: able to quickly learn how to use new systems and follow processes and able to quickly adapt to process changes
• You will need to be able to work at speed but also be extremely accurate in your work
• You will need to be able to use your initiative and common sense to spot when things are wrong, notice patterns, and work out when to escalate these to your manager.
• You are constantly thinking of how you could work in a more efficient way and you can work with your manager to implement changes to processes
• You can work collaboratively with other teams from across the business, including the engineering and product team when optimising processes.
• Be highly organised with strong attention to detail
• Be enthusiastic, motivated, and eager to learn
• Confident when multi-tasking in a busy role, being able to think of your feet and remain calm and prioritise effectively – a fast-paced, ever-changing environment is where you thrive
• You're a team-player and understand that having a great working culture is everyone's responsibility, so you treat everyone with respect, you always give a helping hand.
• You love learning new things and are a fast learner
• You are proactive. You are always thinking of innovative ways to improve your own work and the whole team's performance.
• You are either a EU citizen, a permanent resident of Estonia or you have Temporary Resident Permit that doesn't require work sponsorship.

Be prepared to work hard Ultimately, we're looking for smart, hardworking & energetic people who get stuff done & are committed to contributing to a great team. So, if you're excited about what we're doing, get in touch – definitely don't be put off if you don't tick every box

Our application process

• Screening Interview (15 min) - to tell you a bit about Penfold, the role and get to know you
• Take-Home Task - to assess your analytical and data skills
• Hiring Manager Interview (1 hour) - in-depth interview about your experience and skills with your potential manager
• Culture Interview (30 min) - you'll meet other members of the team to find out more about what it's like working at Penfold

Our office/working hours

• We're a remote-first business, but we have an office space in Tallinn where the team work from 2-3 days a week
• Currently we are working Monday-Friday 9-18 EET - this can be flexible to an extent

Our Benefits
Penfold is committed to providing a working environment where people feel empowered to do their very best work, make a big impact, and enjoy what they do. Our benefits package includes:

Starting salary of 1,700 EUR gross per month

28 days annual leave

Remote working – we are a remote-first company

Best-in-class MacBook and we will provide you with any Work From Home equipment you need

Learning & Professional Development – we conduct regular 360 feedback and focus on role progression that suits each individual. We support everyone with courses, events and coaching to help everyone reach their goals

We are 100% committed to building a diverse and representative team. Whatever your race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability - we want to hear from you. If you have questions about the role or the company or the interview process, please let your recruiter know and we're happy to answer these anonymously if that makes you feel more comfortable

As part of our hiring process, we may record your interview and use AI tools to generate notes. This helps us capture details accurately and ensures a fair review by our hiring panel. By attending an interview with Penfold, you consent to the use of recording and AI-generated notes for this purpose. If you have any concerns or would prefer not to be recorded, please let us know in advance.