Credit Risk Analyst (w/m/d)

Billie, Inc; Deutschland; Hybrid; EUR 55.000 - 70.000; Vollzeit

Zusammenfassung

A leading fintech company in Germany is looking for a Credit Risk Analyst to join their data science team. In this role, you'll analyze complex data, optimize operational workflows, and communicate insights that directly influence risk strategies. You'll enjoy a hybrid work model, competitive incentives, and ample vacation, while making a significant impact on business growth through data-driven decisions.

Leistungen

Competitive Virtual Shares Incentive Program

Flexible work hours

30 days vacation plus public holidays

Discounted public transport

Qualifikationen

• 3-4 years of experience in risk analytics or related field.
• Strong SQL proficiency for data querying.
• Experience managing data-driven initiatives.

Aufgaben

• Analyze portfolio data to optimize risk management strategies.
• Generate key insights to promote a data-driven culture.
• Influence strategic risk decisions balancing risk and growth.

Kenntnisse

SQL

Data Analytics

Communication

Analytical Mindset

Business Judgment

Tools

Tableau

Looker

Power BI

Jobbeschreibung

We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We aim to create a new standard for business payments and simplify the purchasing experience for all businesses, fostering growth. Our solutions leverage proprietary, machine-learning-supported risk models, fully digitized processes, and a highly scalable tech platform. This positions us as a deep-tech company building financial products, not just a service provider. We focus on building simple, elegant solutions with an emphasis on automation and scalability.

About the role:

Our Credit Risk team is vital to our success, ensuring the health of our portfolio through a mix of quantitative modeling, decision science, and efficient operations. We are seeking a curious and driven Credit Risk Analyst to join our data science team. You will contribute to developing frameworks for credit and limit decisions, optimize operational workflows, and serve as a key communicator with stakeholders. This role is ideal for someone who enjoys transforming complex data into actionable strategies, automating processes, and deepening expertise in risk modeling and policy creation. Your work will directly influence strategic risk decisions, balancing risk mitigation with growth opportunities.

What You'll Do:

• Drive Insights: Analyze portfolio data to inform and optimize risk management strategies.
• Champion Data Science: Generate and communicate key insights to promote a data-driven culture.
• Master Our Systems: Understand and utilize our risk-tech systems, including API services and scoring provider integrations.
• Collaborate & Communicate: Clearly share findings and collaborate with internal teams and external partners.
• Shape Strategy: Influence strategic risk decisions to balance risk mitigation and growth.

Who we are looking for:

• 3-4 years of experience in risk analytics, data analytics, or a related field.
• Strong SQL proficiency for data querying and analysis.
• Experience managing data-driven initiatives from analysis to implementation.
• Excellent communication skills to convey complex concepts clearly.
• Analytical mindset with sound business judgment and curiosity.
• Understanding of credit risk, fraud prevention, or portfolio management principles.
• Bonus: Experience with BI tools like Tableau, Looker, or Power BI.

What we offer:

• Challenging work that fosters growth.
• Competitive Virtual Shares Incentive Program.
• Flexible work hours and a trust-based environment.
• Hybrid work model with up to 3 days remote per week.
• 30 days vacation plus public holidays, sabbaticals, and parental leave.
• Discounted public transport via our