(Junior) Credit Analyst (m/f/d) - Berlin

Bees & Bears; Berlin; Vor Ort; Vertraulich; Vollzeit

Benefits dieser Stelle

Flexible bonus for personal use

Flexible working hours and locations

Extra days off for climate activism

Office food options via Wolt

Team events and offsites

Zusammenfassung

Bees & Bears in Berlin is looking for a Credit Analyst (m/f/d) to manage core parts of our underwriting and portfolio processes for B2B and B2C clients. You will be responsible for making informed credit decisions and continuously improving our risk framework as our operations scale.

The ideal candidate will have 1–3 years of experience in Credit Risk or Underwriting and must possess strong analytical skills, attention to detail, and a structured working style. We offer a flexible, hybrid work environment and a culture committed to growth and inclusivity.

Qualifikationen

• 1–3 years of experience in Credit Risk, Underwriting, or Lending Operations.
• Strong analytical thinking and comfort with financial data.
• High attention to detail and structured working style.

Aufgaben

• Own credit underwriting for end customers and partner companies.
• Review financial documents and make credit decisions.
• Identify risk signals and ensure compliance with policies.

Kenntnisse

Credit Risk analysis

B2B underwriting

Analytical thinking

Attention to detail

Strong Excel skills

Jobbeschreibung

Your Impact

As a Credit Analyst (m/f/d), you take ownership of core parts of our underwriting and portfolio processes (B2B and B2C). You are responsible for making and improving credit decisions, actively shaping how we scale our risk operations. You operate independently in day‑to‑day underwriting and play a key role in improving our risk framework as volumes grow rapidly.

Tasks

• Own and perform credit underwriting for end customers (B2C) and installer/partner companies (B2B)
• Review financial documents, application data, and risk indicators within defined underwriting rules
• Make credit decisions within clearly defined approval limits
• Ensure compliance with internal risk policies and underwriting guidelines
• Identify and escalate anomalies, risk signals, or potential fraud cases
• Support the continuous improvement of underwriting and operational processes
• Maintain and improve data quality in risk‑relevant systems
• Work closely with the Risk team to ensure stable daily operations

Requirements

• 1–3 years of experience in Credit Risk, Underwriting, or Lending Operations
• Strong experience in both B2B underwriting (B2C is a plus)
• Strong analytical thinking and comfort working with financial data and structured decision‑making
• High attention to detail and strong sense of responsibility in execution
• Reliable, structured, and disciplined working style
• Strong Excel skills
• Comfortable working in fast‑paced, high‑growth environments
• English (minimum C1 level), fluent German is a plus

Benefits

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.

Perks 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.

At Bees & Bears, we place a high value on equal opportunity and are committed to fostering a diverse and inclusive work environment. We strive to create a friendly, safe, and welcoming environment for all our employees, regardless of ethnic origin, gender, gender identity and expression, sexual orientation, disability and abilities of any kind, physical appearance, social background, marital status, age, or religion (or lack thereof).