Credit Risk Manager

TN Germany; Berlin; Vor Ort; EUR 50.000 - 80.000; Vollzeit

Zusammenfassung

Join a forward-thinking company that empowers SMEs with tailored lending solutions. This dynamic role involves collaborating with underwriters and analysts to manage risk levels and develop innovative loan products. You will engage with external stakeholders while contributing to the enhancement of scoring models. With a focus on diversity and inclusion, this organization values your unique perspective and offers a pet-friendly office environment with opportunities for professional growth. If you are passionate about finance and ready to make an impact, this is the perfect opportunity for you.

Leistungen

Participation in Share Options Program

Fresh coffee and snacks

Pet-friendly office

Team events

Close collaboration with C-Level executives

Qualifikationen

• Experience in credit risk management, ideally in SME or retail lending.
• Strong understanding of quantitative and qualitative underwriting.

Aufgaben

• Manage SME loan portfolio and monitor risk levels.
• Develop and implement risk management strategies.

Kenntnisse

Credit Risk Management

Analytical Skills

Problem-Solving

Fluency in English

Good Knowledge of German

Experience in Fintech

Ausbildung

Bachelor's or Master's in Business

Degree in Finance or Economics

Tools

SQL

Jobbeschreibung

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• Work closely together with our team of underwriters and analysts
• Manage our SME loan portfolio and monitor risk levels
• Develop and implement risk management strategies, working both conceptually and hands-on when needed
• Be comfortable in driving creditworthiness assessments based on various criteria, including financial, ratings, scores, and firmographic information
• Provide insights and support our quantitative and data teams to develop new features for our scoring models
• Collaborate with our product and business development teams to develop new loan products
• Engage in relations and communications with external stakeholders, including bank partners, data providers, and credit bureaus

Your profile

• Bachelor's or Master's degree in Business, Finance, Economics, or a related analytical field
• Experience in credit risk management, ideally in SME or retail lending, is a plus
• Strong understanding of quantitative and qualitative underwriting, credit risk, and portfolio management
• Proven experience in implementing risk management strategies and policies
• Strong analytical and problem-solving skills
• Willingness to work pragmatically and hands-on
• Fluency in English and good knowledge of German, especially financial terminology
• Fintech experience is a plus
• SQL knowledge is advantageous but not necessary

Our offer

Our offer

• Participation in our virtual Share Options Program
• Fresh coffee and snacks in the office
• Pet-friendly office environment
• Company and team events to foster team spirit
• Direct collaboration with our C-Level executives

Your mission

• Work closely with our team of underwriters and analysts
• Manage our SME loan portfolio and monitor risk levels
• Develop and implement risk management strategies, both conceptually and practically
• Conduct creditworthiness assessments based on diverse criteria
• Support our quantitative and data teams in developing new scoring model features
• Collaborate with product and business development teams on new loan products
• Maintain relations and communications with external stakeholders, including bank partners, data providers, and credit bureaus

Your profile

• Bachelor's or Master's degree in Business, Finance, Economics, or a related analytical field
• Experience in credit risk management, especially in SME or retail lending, is a plus
• Deep understanding of underwriting, credit risk, and portfolio management
• Experience in risk management strategies and policy implementation
• Analytical, problem-solving skills
• Pragmatic and hands-on approach
• Fluency in English and good German skills, especially financial terminology
• Fintech experience is advantageous
• SQL knowledge is a plus

Our offer

Our offer

• Attractive base salary
• Participation in our virtual Share Options Program
• Office with fresh coffee and snacks
• Pet-friendly environment
• Team and company events
• Close collaboration with C-Level executives

You belong with us

• We are a diverse team of over 30 employees from more than 10 nations. We celebrate diversity and inclusion in all forms.
• We actively encourage women to apply; our co-founder Miriam is a role model in this regard.

Place of work

• This position is based in Berlin.
• We have a 2-day-per-week office attendance policy.

About us

Banxware is Europe's leading embedded finance provider, empowering platforms to offer tailored lending solutions to SMEs. We partner with various platforms, including payment providers, eCommerce marketplaces, and neo banks, trusted by top-tier companies like Qonto, Deutsche Bank, and JustEat Takeaway. We operate globally, embracing a diverse and inclusive culture.