Head of Risk (m/f/d)

Bees & Bears GmbH; Berlin; Hybrid; EUR 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work model

Extra climate activism days off

Work from home two days a week

Team offsites & Bees & Beers events

Job summary

Bees & Bears GmbH in Berlin is seeking a Head of Risk to lead and stabilize the risk organization during rapid growth. You will lead a growing team, manage a rapidly expanding credit portfolio, and build the processes, systems, and culture required for scale.

You will work directly with the founder, owning the risk function and shaping long-term strategy while enabling sustainable growth in a climate fintech context. The role offers hybrid work and strong ownership.

Qualifications

• Strong experience in credit risk and underwriting.
• Proven leadership experience building high-performing teams.
• Data-driven approach to decision-making and risk culture.
• Hands-on mindset with strategic thinking and execution.
• Ability to operate effectively in fast-changing environments.
• Ownership mindset with proactive problem solving.

Responsibilities

• Lead and develop the Risk team with clear structure and performance standards.
• Own credit underwriting quality and portfolio performance across B2B and B2C.
• Build scalable risk processes, policies, and decision frameworks for fast growth.
• Drive automation, efficiency, and data-driven decision making in risk.
• Balance growth and risk with defined risk appetite and controlled losses.
• Collaborate closely with founder and leadership to shape long-term risk strategy.

Skills

Credit risk & underwriting

Leadership experience

Data-driven decisions

Hands-on & strategic

Adaptability in fast-changing env

Ownership mentality

Job description

At Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.

Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener.

What we do:

We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments. Our platform provides the technical and financial foundation to make this happen. In doing so, we’re actively accelerating the energy transition — for households, for our partners, and for the planet.

We’ve recently secured €500 million in funding commitments to green 25,000 households over the next two years. Prior to that, we raised two funding rounds backed by several renowned VCs — and we’ve been growing rapidly ever since.

Sound like the perfect job for you?

Your Impact

We are looking for a Head of Risk to lead and stabilize our risk organization during a phase of rapid growth. This role replaces our interim leadership and is critical for building a long-term, scalable risk function that enables sustainable growth. You will lead a growing team, manage a rapidly expanding credit portfolio, and build the processes, systems, and culture required for scale. This is not a maintenance role.This is a build-and-lead role. You will work directly with the founder and leadership team and have full ownership of the risk function.

Your Mission

• Lead and develop the Risk team, creating clarity, structure, and strong performance standards
• Own credit underwriting quality and portfolio performance across B2B and B2C
• Build scalable risk processes, policies, and decision frameworks to support rapid growth
• Drive automation, efficiency, and data-driven decision-making in the risk function
• Balance growth and risk while ensuring losses remain within defined risk appetite
• Work hands-on where needed while shaping the long-term risk strategy

Your Talent

• Strong experience in credit risk and underwriting, ideally across both B2B and consumer lending
• Proven leadership experience, with the ability to build and develop high-performing teams
• A hands-on mindset combined with strategic thinking
• The ability to operate effectively in fast-changing, imperfect environments
• A strong ownership mentality and drive to make things happen
• A data-driven approach to decision-making

Why This Role is Unique

• Massive real-world impact in climate and energy
• Direct collaboration with the founder
• Opportunity to build your own risk organization
• High ownership and autonomy
• Rapid company growth
• Large institutional funding
• Ability to shape how risk works at scale

Our Offer

Growth & Culture

We move fast, we're building a lot from scratch, and we're learning something new every day. You'll be part of a team that doesn't just work, it truly builds something, with a strong sense of ownership and genuine team spirit.

Impact

Your job has a direct impact on the energy transition. Period.

And because this is important to us, we offer extra days off for climate activism.

Flexibility

We work in a hybrid, trust-based environment.

Working from home is the norm for us, two days a week are standard and flexible. We structure the rest in whatever way best supports collaboration and focus within the team.

And if it works for you and your team, you can also work from other locations, workations are possible here.

You’ll receive a flexible bonus that you can use however you like, sports, culture, travel, whatever works for you.

Food & Energy

Long days happen. When the office is running, so is the food: just order something to the office via Wolt.

Team & Vibe

We take our mission seriously, but we don't take ourselves too seriously.

Offsites, team nights, and our "Bees & Beers" are just as much a part of the job as the work itself.