Novum Bank Group Tech Stack

EU-regulated digital bank operating micro-loans and prepaid card products across continental Europe

Banking Msida 51–200 employees Founded 2009 Privately Held

Novum Bank is a Malta-based credit institution licensed under EU banking regulations, operating two product lines: micro-lending (through the Cashper brand in Spain, Germany, Austria, France) and prepaid/credit cards (Money2Go MasterCard in Germany and Netherlands, plus partner programs). The project and pain-point mix reveals a compliance-heavy operational focus—data reporting infrastructure, regulatory reporting, fraud prevention, and debt recovery automation dominate the roadmap, indicating a finance-led organization scaling risk and collections functions while hiring accelerates.

Tech Stack 13 technologies

Core StackGoogle Analytics SAS Python Tableau Power BI SWIFT Microsoft Office PowerPoint Excel SQL Outlook Word Google Sheets

What Novum Bank Group Is Building

◆Challenges

Improving team productivity and call quality
Meeting regulatory reporting requirements
Meeting regulatory expectations
Reducing credit losses
Streamlining debt recovery
Reducing compliance risks
Robust controls culture
Improving fraud detection accuracy
Reducing fraud losses
Compliance with regulations

▲Active Projects

Developing data reporting & analytics infrastructure
Improving management information suite for risk appetite
Digital automation of collections
Data-driven lead and roi strategy
Partner onboarding
Credit card cso training
Team productivity and call quality improvement strategy
Automated debt recovery process implementation
Building fraud prevention data for credit card portfolio
Process improvements for operational efficiency

Hiring Activity

Accelerating40 roles · 25 in 30d

Department

Finance

Sales

Support

Data

Marketing

Ops

Compliance

Seniority

Mid

Junior

Senior

Lead

Manager

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About Novum Bank Group

Novum Bank Limited is a private credit institution regulated by Malta's Financial Services Authority (MFSA) and licensed to operate across the EU. The bank serves consumers and businesses through two core product lines: micro-lending via the Cashper brand and prepaid/credit cards including the Money2Go MasterCard. Distribution spans Spain, Germany, Austria, France, and the Netherlands through direct channels and partner networks including managed programs for strategic partners. The organization operates a lean multi-national team from Msida, Malta, with active hiring concentrated in finance, sales, and support functions.

HeadquartersMsida

Company Size51–200 employees

Founded2009

Hiring MarketsMalta

Frequently Asked Questions

What is Novum Bank's regulatory framework?

Novum Bank Limited is licensed and regulated by the Malta Financial Services Authority (MFSA) to operate as a credit institution under the EU banking regulatory framework.

What countries does Novum Bank operate in?

Cashper micro-loans operate in Spain, Germany, Austria, and France. Money2Go MasterCard launched in Germany (2013) and the Netherlands (2015). All hiring currently occurs in Malta.

What is Novum Bank's tech stack?

Core stack includes SQL, Python, SAS for analytics; Microsoft Office suite and Google Sheets for productivity; Tableau and Power BI for reporting; SWIFT for banking operations; Google Analytics for tracking.