Credit Risk Manager (f/m/d)

Solaris SE; Frankfurt; Vor Ort; EUR 65.000 - 85.000; Vollzeit

Benefits dieser Stelle

Home office budget

Learning & development budget of €1000 per year

Monthly meal allowance

28 vacation days

Zusammenfassung

Solaris SE in Frankfurt is seeking a Credit Risk Manager to enhance underwriting processes across manual and automated channels. Ideal candidates will have a university degree and 3+ years of relevant experience in credit risk management.

This position involves defining credit transaction structures, ensuring compliance, and managing credit files. Solaris offers a competitive salary, home office budget, learning and development budget, and generous vacation days.

Qualifikationen

• 3+ years of experience in credit risk management in a bank or financial institution.
• Experience with financial products, loan documentation, and credit structuring.
• Fluency in English; German skills are a plus.

Aufgaben

• Contribute to credit risk management and underwriting processes.
• Define structure of complex credit transactions and ensure compliance.
• Prepare regular qualitative portfolio reviews.

Kenntnisse

Credit risk management

Stakeholder management

Python

Advanced Excel

Data analysis

Ausbildung

University degree in economics or business administration

Tools

Tableau

HTML

Jobbeschreibung

Overview

Solaris is Europe\'s leading embedded finance platform. Solaris’ full German banking license and proprietary modular B2B tech stack empowers its partners – from SMEs to large, multinational, non-financial companies – to offer compliant, customer-centric banking services, providing seamless experiences to customers across all industries. Founded in 2016, Solaris pioneered the Banking-as-a-Service market with an unparalleled combination of tech and banking. Solaris is headquartered in Berlin and employs 300 people in Europe.

Your Role

In this role you will contribute to credit risk management and underwriting processes across manual and automated channels.

Responsibilities

• Manual Underwriting Operations
• Define and refine the structure of complex credit transactions.
• Assess and approve credit transactions, ensuring full compliance with the OHB (Operational Handbook) and external regulatory frameworks.
• Continuously perform, optimize, and maintain the credit approval process to enhance efficiency and accuracy.
• Establish and maintain manual credit file management systems.
• Conduct regular reviews and updates of credit files to reflect current risk profiles.

• Automatic Underwriting & Logic
• Assist in setting and refining the technical criteria for the Decision Engine.
• Align the conceptual consistency of underwriting principles across both manual and automated channels.

• Credit Portfolio Steering
• Prepare regular qualitative portfolio reviews accompanied by action proposals to maintain credit risk exposure within established risk appetite levels.
• Execute ad-hoc assessments as required to mitigate emerging risks.
• Monitor partnership team activities specifically regarding dunning, workout, and collection actions to ensure alignment with risk standards.

• Strategic Projects & Compliance
• Take responsibility for closing audit findings within the respective focus areas.
• Lead training initiatives for CRM and Solaris staff on core underwriting principles.
• Drive project-related tasks, including the development and launch of new loan products.

Qualifications

• A university degree, ideally with a focus on economics, business administration, banking or a comparable qualification.
• 3+ years of relevant work experience in credit risk management in a bank or financial institution.
• Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring.
• Experience in regulatory requirements for respective focus area.
• Experience with advanced Excel, Python, Tableau and/or HTML is a strong advantage.
• You are fluent in English to engage with all international team members; German communication skills are a strong advantage.
• Hands-on and “driving the change” mindset.
• Reliable, solution-oriented, independent working method.
• Used to working under pressure / on tight deadlines.
• Stakeholder management for multiple tasks and strong communication skills.
• Passionate about Credit and always looking to improve “old fashioned” processes end-to-end with new approaches and technology.
• Comfortable working with AI tools, thinking critically about AI outputs, and contributing to a culture of responsible AI use. Demonstrate comfort with AI-assisted workflows and a willingness to continuously develop AI capabilities as the technology evolves.

What We Offer

• Competitive salary and a variable remuneration program.
• Home office budget.
• Learning & development budget of €1000 per year and a transparent growth framework to support your career goals.
• Monthly meal allowance.
• Deutschland ticket subsidy.
• 28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris.
• Opportunity to work abroad for up to 12 weeks per year.

While job ads usually paint an ideal picture of a candidate, studies show that most applicants meet an average of 60% of the criteria. If you think you have what it takes but don\'t meet every single item, please contact us anyway. We\'d love to talk with you and find out if you might be a good fit for us.

Diversity & Inclusion

At Solaris, we are committed to nurturing an inclusive environment, where all Solarians feel valued, respected and supported. We are dedicated to building a diverse workforce that reflects the diversity of our communities. We are committed to equal employment opportunity regardless of color, ethnicity, religion, sex, origin, disability, marital status, citizenship, or gender identity. If you have a disability or special need that requires accommodation, please let us know.

Information on data processing:

DE: https://www.solarisgroup.com/gdpr_notice_de
EN: https://www.solarisgroup.com/gdpr_notice_en