Credit Risk Manager - Business Lending (on-site)

Cloover; Berlin; Hybrid; EUR 80,000 - 110,000; Full time

Benefits offered by this job

Apple hardware

25 days vacation

Learning budget

WHOOP Peak

Urban Sports Club membership

Deutschlandticket

Green power tariff

Free catered lunch

Free dinner

Fully stocked kitchen

Team events budget

Employee discounts

Job summary

Cloover in Berlin seeks a senior risk professional to own B2B SME lending decisions, reporting to the Risk Lead within a small risk team. You’ll work with underwriting and portfolio management to bring an independent risk view and an automated workflow behind you.

You’ll shape risk strategy, refine rules, and drive real-time, data-driven decisions. Based in Berlin, you’ll thrive in an office-first culture with the founding team nearby.

Qualifications

• 5+ years of hands-on B2B or SME lending experience.
• Degree in finance, economics, business administration, accounting or quantitative field.
• Fluent in reading financials, credit reports and ratings.
• Held an approval mandate or given credit second opinions.
• German at B2 level or above.

Responsibilities

• Decide escalated B2B credit files with well-argued, defensible calls, on time.
• Pressure-test underwriting proposals and catch red flags like negative equity or liquidity stress.
• Help build a credit risk strategy that keeps delinquencies and installer operational risk low.
• Turn learnings from escalations into sharper rules to speed decisions.
• Build and own the SME quality assurance framework: visible, consistent, improving quarterly.
• Shape the risk agenda with the team, bringing an operator’s view on what Cloover can leverage to win.

Skills

B2 German

Credit risk

Underwriting

Data-driven

SQL

Python

Education

Finance/economics degree

Tools

SQL

Python

R

Job description

Your role

Energy Loans installers juggle uneven cash flows: suppliers get paid long before customers pay. Cloover closes that gap with financing that fits how installers actually work. You’ll be the risk voice that makes those deals smarter, with your own approval mandate and a lean, automated process behind you.

You’ll report to the Risk Lead and work within a team of 4. Underwriting and portfolio management bring you their toughest cases, and you bring the independent risk view.

Your mission

• Decide escalated B2B credit files with well-argued, defensible calls, on time.

• Pressure-test underwriting proposals and catch red flags, like negative equity or liquidity stress, before they hit the book.

• Help build a credit risk strategy that keeps delinquencies and installer operational risk low.

• Turn what you learn from escalations into sharper rules, so more decisions go straight through.

• Build and own the SME quality assurance framework: visible, consistent, improving every quarter.

• Shape the risk agenda with the team, bringing an operator’s view on what Cloover can leverage to win.

Your profile

We care more about how you think and what you’ve built than where you’ve been. Here’s what will set you up for success in this role:

• 5+ years of hands‑on B2B or SME lending experience, from working capital lines to project financing. Structured or trade finance is a plus.

• Holds a degree in finance, economics, business administration, accounting or a quantitative field such as mathematics or statistics.

• Reads financials, credit reports and ratings fluently, and explains in a few lines why a deal works or doesn’t.

• Has held an approval mandate or given credit second opinions, and makes confident calls on incomplete information.

• Shapes the right yes instead of just holding the line, and says no clearly when nothing works.

• Thinks in data and processes, and gets excited about what AI can automate.

• Based in Berlin and energized by being in the room. We’re intentionally office‑first: decisions get made in real time, prototypes get stress‑tested over lunch, and the founding team is ten meters away. If that’s how you thrive, you’ll feel at home here.

• Speaks German at B2 level or above, enough to read financial statements and credit documents.

Nice to have:

• SQL, Python or R

How we hire

We keep things transparent and respect your time. Most go from first call to offer in under three weeks.

Intro call(30 min): We want to understand what you’re looking for, not just screen your CV.

Hiring manager interview(30 min): We go deep into your experience, your thinking, and how you approach problems.

Case study(1 hour): You get the brief in advance. We care about your approach, not whether you land on the right answer.

Offer & signed contract.

Need any adjustments at any stage? Just let us know.

Why us?

• Performance pay.Strong base tied to outcomes, recognised when it happens rather than locked behind annual cycles.

• AI-first & unthrottled.Unlimited enterprise-grade AI, no caps, no approval process. Every role, every team. The grunt work disappears so you can focus on what actually requires human judgement.

• Real ownership on a real mission.From day one you’re shaping decisions that impact thousands of installers. We’re not just building software. We’re powering the energy transition across Europe.

• Grow faster than anywhere else.You’ll work directly alongside the founding team and world‑class investors. If you’re building toward your own venture one day, there’s no better room to be in.

Perks & Benefits

• Latest Apple hardwarein our Prenzlauer Berg office

• 25 days vacation

• €500 per yearlearning & development budget

• WHOOP Peak, covered.After six months with us, we cover your WHOOP Peak membership in full

• Urban Sports Club (M)membership

• Deutschlandticket, fully covered

• Cloover Power Tariff:our own green power tariff, with the monthly base fee on us

• Free catered lunchevery day in the office (via Bella&Bona)

• Free dinnerevery day in the office (via Wolt)

• Fully stocked kitchenwith breakfast, snacks, and drinks

• Team eventswith €50 per person per month

• Company discountsvia Corporate Benefits and FutureBens