Junior Kreditanalyst*in (m/w/d)

iwoca; Bernau; Vor Ort; EUR 46.000 - 55.000; Vollzeit

Benefits dieser Stelle

26 days of vacation plus a free day for your birthday

One-month fully paid sabbatical after 4 years

Mental health support

Ski chalet access in winter

Gym membership contribution

Paid volunteer day

Corporate Benefits discounts

Zusammenfassung

iwoca is seeking an experienced analyst to assess credit applications in Brandenburg, Germany. You'll have the autonomy to make decisions and collaborate with other analysts on complex cases.

Successful candidates will demonstrate curiosity about AI tools, possess strong business acumen, and have excellent communication skills in both English and German. The role offers a competitive salary range from €46,000 to €55,000 and a variety of benefits including 26 days of vacation and a paid sabbatical after four years.

Qualifikationen

• Experience in assessing credit applications using various data sources.
• Ability to interpret and analyze financial statements.
• Motivated to work in a fast-paced environment.

Aufgaben

• Assess credit applications using experience and data sources.
• Support analysts on larger decisions.
• Work with analytics teams to optimize credit decisioning.

Kenntnisse

Curiosity for AI tools

Strong business acumen

Excellent communication skills in English and German

Analytical mindset

Ausbildung

Knowledge of finance and accounting principles

Jobbeschreibung

The Company

Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.

That's why we built iwoca. Our smart technology, data science and five‑star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it’s needed.

We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier.

Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.

The Team

We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.

The Role

• To assess credit applications – you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
• You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
• You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Our credit decisioning is data‑driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

Requirements

Essential:

• Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use.
• We look for people who are smart, humble, motivated and who are always looking to improve.
• Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship.
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application.
• The ability to interpret & analyse financial statements.
• A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment.
• Excellent communication skills in business English and German.
• An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day‑to‑day problems and suggest changes to processes to improve efficiency.

Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.

The Salary

We expect to pay from €46 000 to €55 000 for this role. But we’re open‑minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

The Culture

At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence‑based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.

We’re a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.

The Offices

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
• Events and community‑led groups, including running groups, padel, and monthly ping‑pong and pool competitions.

The Benefits

• A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth‑mindset.
• 26 days of vacation a year plus a free day for your birthday.
• One‑month fully paid sabbatical after 4 years./
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
• Access to the gym membership programme, €25 for either Fit711 or Urban Sports Club.
• €30 contribution towards the Deutschlandticket.
• Company Pension with Canada Life.
• Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg.
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate Benefits discounts.
• ‘iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.

Learning & Development

• A learning and development budget for everyone, including a book budget.
• Learning German budget.
• Company‑wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.

Useful links

• See iwoca benefits & policies for detail and some additional benefits.
• See iwoca interview welcome pack.

Compensation Range: €46 000 – €55 000.