B2B Underwriter (m/w/x) New Berlin HQ

Grover Group; Berlin; Hybrid; EUR 65,000 - 90,000; Full time

Benefits offered by this job

Global team

Coaching sessions

Urban Sports Club

Annual learning budget 750€

Remote work days

Volunteer days

Job summary

Grover, a Berlin-based fintech founded in 2015, enables European businesses to subscribe to tech devices and complete solutions. As a B2B Underwriter you will join the Risk team, working full-time (40 hours) with a minimum presence three days a week at our Berlin HQ, reporting to Credit Risk and Fraud Managers.

You’ll review B2B applications, assess financials and bureau data, decide on approvals and terms, and help shape smarter credit rules while ensuring a healthy portfolio across Europe.

Qualifications

• 2+ years underwriting business customers at banks, lenders, or fintechs.
• Strong financial analysis: read balance sheets, P&Ls, and credit reports.
• Clear, confident judgement under time pressure.
• Data-driven, hands-on mindset; proficient with Excel/Sheets; SQL a plus.
• Collaborative communication with sales, product, and engineering.
• Fluent English; German or another European language is a plus.

Responsibilities

• Credit decisions for business customers: review applications and set approvals, limits and terms.
• Create clear, concise case notes for audit and knowledge sharing.
• Ongoing reviews: monitor accounts, handle limit increases, and act on changes.
• Develop smarter credit rules from patterns and data sources.
• Collaborate with product and engineering on automation of checks.
• Track portfolio performance and share insights with Risk team.

Skills

Underwriting experience

Financial analysis

Decision making

Data-driven mindset

Cross-functional collaboration

English proficiency

German language (plus)

Excel/Sheets

SQL

Tools

Excel

Google Sheets

SQL

Job description

Founded in 2015, Grover enables consumers and businesses across Europe to subscribe to tech devices and comprehensive technology solutions - from individual smartphones, laptops, and wearables to full corporate device setups. The company offers access to over 1,000 unique tech items on flexible and financially convenient terms. A pioneer of the circular economy, Grover refurbishes and recirculates devices to help eliminate e-waste.

To continue this incredible adventure, we are currently looking for a B2B Underwriterto join our talented Riskteam, full-time (40 hours/week) and a minimum 3 days per week (Tuesday-Thursday) at ourBerlin HQ.

Reporting to Credit Risk and Fraud Managers, you will be the person who decides which businesses we partner with and on what terms, from start-ups ordering their first laptops to established companies equipping entire teams. Working alongside our sales, product and data colleagues, you will help us say yes to more good customers, faster, while keeping our B2B portfolio healthy. Along the way, you will turn your day-to-day insights into smarter credit rules and automated checks, so your judgement scales well beyond the cases on your desk. It’s an opportunity to build B2B credit risk at a growing company, where your work shows up directly in how we grow across Europe.

What you will contribute:

• Credit decisions for business customers: review incoming B2B applications, dig into financials and bureau data, and decide on approvals, limits and terms.
• A clear decision trail: write concise, well-argued case notes that others can follow and learn from.
• Ongoing customer reviews: keep an eye on existing accounts, handle limit increases, and act quickly when a customer’s situation changes.
• Smarter credit rules: turn patterns you see in your cases into proposals for new rules, thresholds and data sources.
• Automation with product and engineering: help decide which checks can be automated, so manual review goes to the cases that really need it.
• Portfolio insights: track how your approved customers perform and share what’s working and what isn’t with the Risk team.

What you bring:

• Credit or underwriting experience: 2+ years assessing business customers at a bank, lender, leasing company or fintech.
• Strong financial analysis skills: you can read balance sheets, P&Ls and credit reports quickly and spot what matters.
• Sound, confident judgement: you make clear decisions under time pressure and explain your reasoning simply, in writing and in conversation.
• A data-driven, hands-on mindset: you’re comfortable in Excel or Google Sheets (SQL is a plus) and enjoy turning insights into better processes.
• Collaborative communication: you build good relationships with sales, product and engineering, and you can say no in a way that keeps everyone on board.
• Fluent English: German or another European language is a strong plus, since you’ll review documents and customers from several markets.

The Grover Way - How We Drive Success:

• Own It: We take ownership seriously and define what success looks like. We drive shared ownership and don't wait - we drive. We keep one another accountable and take responsibility when issues arise.
• Challenge, Decide, and Commit: We engage in proactive support, active listening, and healthy conflict to reach the best outcomes. We value diverse perspectives and, once a decision is made, we commit to it fully.
• Empower and Grow: We enable, trust, and coach one another toward high performance, always thinking and acting like owners. We seek growth, apply feedback, and support the development of our peers.
• Respect, Transparency, and Clarity: We strive for clear, respectful, and open communication with no surprises. We simplify complex information so everyone knows the "what, why, and how".

What you will love about us:

• A diverse global team of 75 nationalities (and counting!)
• Virtual or In-person Coaching Sessions with the Fürstenberg Institut
• Physical health support with Urban Sports Club
• Annual learning budget of 750€
• 15 remote business days per year to work abroad
• 4 Volunteer days per year
• BVG monthly discount to drive you everywhere in Berlin
• Engaging, open office located in Berlin-Schöneberg with regular events

Embark on a rewarding journey with the Grover Rocketship, where your impact is felt, and together, we cultivate a more circular world.