Credit Analyst

iwoca; Bernau; Hybrid; EUR 55.000 - 70.000; Vollzeit

Benefits dieser Stelle

26 days of vacation

One-month fully paid sabbatical after 4 years

Mental health support

Gym membership contribution

Company pension

Paid volunteer day

Learning and development budget

Zusammenfassung

iwoca is seeking an experienced credit analyst to assess applications swiftly using data and technology. The role offers a hybrid work arrangement, splitting time between the office and home. Candidates should possess strong analytical skills and a focus on continuous improvement.

Salary expectations range from €55,000 to €70,000. Benefits include 26 vacation days, mental health support, and a learning budget.

Qualifikationen

• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany.
• Ability to interpret and analyse financial statements.
• Motivated and enthusiastic attitude suited to a constantly changing, fast‑paced environment.

Aufgaben

• Assess credit applications using multiple data sources and our tech platform.
• Support other analysts on larger and more complex decisions.
• Collaborate with analytics teams to optimise lending approaches.

Kenntnisse

AI tools proficiency

Strong business acumen

Communication skills in business English and German

Analytical mindset

Jobbeschreibung

Small businesses move fast and require finance that is flexible and responsive. To support this growth, we need experienced credit analysts who can assess applications swiftly, fairly, and accurately using data and technology.

Responsibilities

• Assess credit applications using multiple data sources and our tech platform to make fast, fair and accurate decisions.
• Take ownership of decisioning and progressively broaden scope as systems knowledge grows.
• Support other analysts on larger and more complex decisions, contributing to the overall workflow.
• Collaborate with analytics teams to optimise lending approaches and adjust personal decisioning methods accordingly.

Qualifications

• Demonstrated curiosity and proficiency in using AI tools to solve problems, increase productivity and improve quality of work, with the ability to articulate the reasoning behind their use.
• Smart, humble, motivated and continually seeking improvement.
• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany.
• Strong business acumen and a working understanding of risk and revenue drivers influencing creditworthiness.
• Ability to interpret and analyse financial statements.
• Motivated and enthusiastic attitude suited to a constantly changing, fast‑paced environment.
• Excellent communication skills in business English and German.
• Analytical mindset with a practical approach to problem solving, innovating scalable solutions and suggesting process improvements.

Salary

We expect to pay from €55,000 – €70,000, and are open to discussing salary expectations during the application process.

Work Arrangement

Hybrid role – you can split your time between the office and home.

Benefits

• 26 days of vacation a year plus a free day for your birthday.
• One‑month fully paid sabbatical after 4 years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• Access to the gym membership program (€25 contribution for Fit711 or Urban Sports Club).
• €30 contribution towards the Deutschlandticket.
• Company pension with Canada Life.
• A paid volunteer day to support a charity of your choice.
• Learning and development budget, including a book budget and a learning German budget.
• Company‑wide talks with internal and external speakers and access to learning platforms.