Credit Risk Analyst

Ebury; Deutschland; Hybrid; EUR 45.000 - 65.000; Vollzeit

Zusammenfassung

A global fintech firm in Düsseldorf is searching for a Credit Risk Analyst to conduct detailed credit analyses and present findings to senior management. The ideal candidate will have a relevant degree and fluency in German and English. This role offers a hybrid working model and opportunities for career progression in a supportive environment.

Leistungen

Competitive Starting Salary

Annual discretionary bonus

Dedicated mentorship

Cutting-edge technology

Clear career progression

Generous benefits package

Excellent transport links

Qualifikationen

• Experience in understanding how businesses work and perform.
• Background in SME credit underwriting and financial analysis.
• Ability to read German management accounts (BWA, SuSa).

Aufgaben

• Support the Credit Risk Manager.
• Perform detailed credit analysis of prospects and clients.
• Present and defend your analysis at credit committee meetings.
• Manage an existing portfolio of clients.

Kenntnisse

Fluency in German

Fluency in English

Analytical mind

Problem-solving skills

Communication skills

Working knowledge of Excel

Ausbildung

University degree in Accounting, Economics, Finance, Mathematics or similar

Tools

Excel

VBA/Macros

Jobbeschreibung

Overview

Ebury is a global fintech firm dedicated to empowering businesses to expand internationally through tailored and forward-thinking financial solutions. Since our founding in 2009, we\'ve grown to a diverse team of over 1,700 professionals across 40+ offices and 29+ markets worldwide. Joining Ebury means becoming part of a collaborative and innovative environment where your contributions are valued. You\'ll play a key role in shaping the future of cross-border finance, while advancing your own career in a dynamic, high-growth industry.

Credit Risk Analyst

Ebury Düsseldorf Office - Hybrid: 4 days in the office, 1 day working from home per week

Ebury is a Global FinTech: we apply new technologies to enhance and automate financial services and processes. This allows small and medium-sized businesses to trade and transact internationally by eliminating boundaries related to more traditional.

Are you ready to be an Eburian?

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling. You will be expected to prepare submissions and present to our Credit Committee making recommendations, as well as contribute to the development of automated risk modelling and to adapt our processes to local markets.

What you\'ll do

• Support, and report to, the Credit Risk Manager.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles.
• Present and defend your analysis personally at credit committee meetings to senior management.
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaising with managers across our other geographies to add insight or assist where necessary.
• Share your thoughts to improve our processes.

The Person

• University degree in Accounting, Economics, Finance, Mathematics or similar
• Fluency in German and English
• Ability to read German management accounts (BWA, SuSa)
• Experience in understanding how businesses work and perform. Full understanding of balance sheet, P&L and cash flow
• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity\'s creditworthiness.
• Analytical mind and strong problem-solving skills
• Demonstrable strong analytical ability
• Clear, concise communication style, with the ability to explain complex concepts coherently
• Willingness to work in a highly demanding and result-oriented team environment
• Working knowledge of Excel essential, VBA/Macros desirable

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonusthat truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central (Location) Office: A fantastic location with excellent transport links.

Ready to launch your career with a global FinTech? Click the \"Apply\" today and discover your potential at Ebury!

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About Us

Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.

Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 29 markets worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Vancouver to Auckland, we enjoy sharing team experiences and celebrating success across the Ebury family.

Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe\'s Fastest-Growing Companies.

None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.

At Ebury, we\'re committed to building a workplace where everyone feels valued, supported, and empowered to thrive. We\'re proud to have active employee networks and ESG initiatives that reflect our inclusive culture, including our Women\'s Network, LGBTQIA+ Network, and Veterans Network. These communities provide spaces for connection, mentorship, advocacy, and collaboration across our global teams.

We believe in inclusion. We stand against discrimination in all forms and have no tolerance for the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story because we want you and your uniqueness to help write our future.

Please submit your application on the careers website directly, uploading your CV / resume in English.