Credit Risk Manager

Banxware; Berlin; Hybrid; EUR 60.000 - 80.000; Vollzeit

Zusammenfassung

A leading fintech company in Berlin is seeking a Risk Manager to manage an SME loan portfolio and develop risk management strategies. The ideal candidate has a degree in Business or Finance, experience in credit risk management, and is fluent in English and German. This role offers a competitive salary and opportunities for personal growth.

Leistungen

Competitive base salary

Participation in Share Options Program

Office with free coffee and snacks

Pet-friendly environment

Team and company events

Qualifikationen

• Experience in credit risk management, ideally in SME or retail lending is a plus.
• Strong understanding of quantitative and qualitative underwriting.
• Proven experience in developing risk management strategies.

Aufgaben

• Manage SME loan portfolio and monitor risk levels.
• Conduct creditworthiness assessments based on various criteria.
• Collaborate with product development teams to create new loan products.

Kenntnisse

Credit risk management

Analytical skills

Problem-solving skills

Fluency in English

Proficiency in German

Ausbildung

Bachelor's or Master's degree in Business, Finance, or Economics

Tools

SQL

Jobbeschreibung

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, working both conceptually and hands-on when needed.
• Conduct creditworthiness assessments based on various criteria, including quantitative and qualitative analyses of financial data, ratings, scores, and firmographic information.
• Provide insights and support our data team in developing new features for our scoring models.
• Collaborate with product and business development teams to create new loan products.
• Engage 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 field with an analytical focus.
• 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 developing and implementing risk management strategies and policies.
• Strong analytical and problem-solving skills.
• Pragmatic and hands-on approach to work.
• Fluent in English and proficient in German, especially financial terminology.
• Fintech experience is advantageous.
• SQL knowledge is a plus but not necessary.

Our offer

• Competitive base salary.
• Participation in our virtual Share Options Program.
• Office with free coffee and snacks.
• Pet-friendly environment.
• Team and company events fostering a strong team spirit.
• Direct collaboration with our executive team.

You belong with us

• We are a diverse team of over 30 employees from more than 10 nations, embracing inclusivity and diversity.
• We 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 policy of working in the office two days per week.

About Us

Banxware is Europe's leading embedded finance provider, enabling platforms to offer tailored lending solutions to SMEs. We partner with various platforms serving SMEs, including payment providers, eCommerce marketplaces, and shop software vendors. Our solutions are trusted by companies like Qonto, Deutsche Bank, Agicap, and Lieferando. We operate internationally and embrace a global mindset.