Advanced Credit Risk Specialist

Mollie; München; Vor Ort; EUR 50.000 - 70.000; Vollzeit

Zusammenfassung

Mollie is seeking a skilled Credit Risk Specialist for its Risk & Fraud department. This role involves onboarding new merchants and monitoring credit risk while collaborating closely with commercial teams. Candidates should have at least 2 years of experience in credit assessment, strong analytical skills, and proficiency in German and English. A proactive and communicative approach is key in helping refine risk management processes.

Leistungen

MacBook

Birthday off

Complimentary baby days

20 days working from abroad

28 holiday days

Work from home budget

Bike lease plan

Health insurance

Equity plans

Referral bonus

Learning platform

Qualifikationen

• At least 2 years of experience in commercial credit assessment or risk analysis.
• Full proficiency in both German and English.
• Familiarity with e-commerce verticals is a big plus.

Aufgaben

• Conduct full credit assessments for new merchants.
• Continuously monitor existing portfolios and advise on credit limits.
• Help improve internal credit risk models, policies, and processes.

Kenntnisse

Analytical skills

Communication

Interpersonal skills

Understanding of financial statements

Ability to improve workflows

Ausbildung

Academic background in finance, accounting, or related field

Jobbeschreibung

Mollie is looking for a talented and motivated Credit Risk Specialist to join our Risk & Fraud department. Beyond technical skills, we’re seeking someone who thrives in a collaborative environment, contributes to a positive team culture, and is driven to learn, grow, and improve how we work.

In this role, you’ll play a key part in onboarding new merchants and monitoring our existing portfolio to detect and manage credit risk. You'll work closely with our commercial teams and have a direct impact on Mollie’s growth and value creation — all while helping refine our processes and ensuring smooth information flow across the business.

What You’ll Be Doing

Conduct full credit assessments for new merchants, with clear, risk-mitigating recommendations.

Continuously monitor existing portfolios (SMBs and Enterprises), and advise on credit limits or collateral adjustments.

Help improve internal credit risk models, policies, and processes.

Respond to internal and external stakeholders on credit risk matters.

Analyze financial statements to evaluate merchant health and risk to Mollie.

Assess a broad range of data — business models, credit scores, bank statements, processing history, and peer benchmarks — to develop a comprehensive risk profile.

You’ll be part of a small, focused team solving clearly defined challenges together.

What You’ll Bring

At least 2 years of experience in commercial credit assessment or risk analysis.

Ability to thrive under autonomy.

Full proficiency in both German and English.

Strong understanding of financial statements and core accounting principles.

Experience with high exposure clients, complex business models, or high-risk sectors.

Familiarity with e-commerce verticals is a big plus.

Familiarity with payment services and methods – an advantage.

Excellent analytical skills and a curiosity to understand how and why things work.

Ability to improve workflows and information sharing across teams.

A proactive team player with strong communication and interpersonal skills.

Academic background in finance, accounting, or a related field.

Bonus: Additional language skills such as Dutch or French are a strong advantage.

Why Join Mollie?

A collaborative, supportive, and fast-paced team environment.

Real opportunities to influence key processes and grow professionally.

A workplace that values initiative, transparency, and mutual respect.

MacBook

Birthday off

Complimentary baby days

20 days working from abroad

28 holiday days

Work from home budget

Bike lease plan

Health insurance

Equity plans

Referral bonus

Learning platform

How we hire

Step 1

Apply

Our Talent Acquisition team and hiring manager will review your application, and respond within 2 weeks.

Step 2

Screening call

If you seem like a Mollie-in-the-making, we’ll invite you to a screening call so we can learn more about each other.

Step 3

Are you the one?

You'll have two or more interviews. And if it's a highly technical role, we'll also assess the specific skills you'll need.