Junior Credit Analyst - German Speaking

iwoca; Berlin; Vor Ort; EUR 50.000 - 65.000; Vollzeit

Zusammenfassung

iwoca is looking for a Credit Analyst - German Speaking to join their fast-growing credit team. The role involves assessing credit applications, making quick and fair decisions while collaborating with other teams. Candidates should have strong experience in credit analysis and excellent communication skills in German.

Leistungen

Generous vacation

Sabbaticals

Share options

Mental health support

Team retreats

Gym memberships

Transport tickets

Volunteer days

Office snacks

Qualifikationen

• 2+ years of experience in commercial loan underwriting, credit sanctioning, or credit analysis.
• Strong German language skills, ideally at native level.
• Ability to interpret and analyse financial statements.

Aufgaben

• Assess credit applications using various data sources and tech platform.
• Support other analysts on larger and more complex decisions.
• Work alongside analytics teams to optimise lending approach.

Kenntnisse

Analytical mindset

Excellent communication

Problem-solving skills

Business acumen

Jobbeschreibung

We're looking for a Credit Analyst - German Speaking

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 Company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics - they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need—often within minutes.

As we deepen our relationship with customers, insurance feels like a natural next step: it's a critical piece of the financial puzzle for small businesses, and one that's often underserved. We're bringing the same customer obsession, data-driven approach, and innovative mindset to the world of SME insurance—starting from first principles to build something that really works for modern businesses.

Your Mission

• Assess credit applications using your experience, various data sources, and our tech platform to make fast, fair, and accurate decisions.
• Enjoy autonomy in decision-making, with scope increasing as you build knowledge of our systems and processes.
• Support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Work alongside our analytics teams to optimise our lending approach and adapt your methods accordingly.

Requirements

We look for people who are smart, humble, motivated, and eager to improve.

You will have:

• 2+ years of experience in commercial loan underwriting, credit sanctioning, or credit analysis within the SME sector in Germany
• Strong business acumen and understanding of risk and revenue drivers influencing creditworthiness
• Strong German language skills, ideally at native level
• Ability to interpret and analyse financial statements
• A motivated and enthusiastic attitude suitable for a fast-paced, changing environment
• Excellent communication skills for direct customer contact, credit decisioning, and cross-functional collaboration
• An analytical mindset with practical problem-solving skills, proposing scalable solutions and process improvements

We welcome applications from all qualified candidates. Please note, for this position, we cannot offer visa sponsorship in the UK. Candidates should be eligible to work independently.

Benefits include a diverse team, generous vacation, sabbaticals, share options, mental health support, team retreats, gym memberships, transport tickets, volunteer days, and office snacks.

Job ID: c63d8741-03f9-47d5-bff0-507f13f7517f