Portfolio Operations & Underwriting Analyst (On-site)

Cloover; Berlin; On-site; EUR 60,000 - 85,000; Full time

Benefits offered by this job

Office in Prenzlauer Berg

25 days vacation

Urban Sports Club

Deutschland-Ticket

Company discounts

Free breakfast and dinner

Apple hardware

Job summary

Cloover in Berlin is seeking a Portfolio Operations & Underwriting Analyst to run KYC, B2C and B2B underwriting, installer payouts, and the customer and installer issues that come with a fast-growing loan book.

You’ll report to the Head of Portfolio Management and collaborate daily with Risk, Product, Accounting and our Sales and Customer Success teams. This is an office-first role, with hands-on problem solving and ownership from day one.

Qualifications

• 1–3 years in credit, lending or payments operations at a bank, fintech or consumer lender.
• You read a credit report or a bank statement and pull out what matters for a decision, and you're comfortable saying no and explaining why.
• You work through a high-volume queue without losing accuracy: you tie totals to the cent, document your decisions, and flag exceptions instead of letting them slide.
• You're fluent in English and confident in Excel or Google Sheets, and you reach for SQL or AI to remove manual work.

Responsibilities

• Clear KYC and compliance checks for customers and installers the same day, so no financing stalls on missing documents.
• Underwrite B2C financing applications and B2B installer requests — new installer sign-ups, backed by recommendations that hold up at credit committee.
• Get installers paid accurately and on time: verify final invoices against contracts, completion protocols and photos, and run payouts with four-eyes control, so no payment goes out wrong and none waits without an reason.
• Resolve installer and customer issues end to end, with a first response the same day and no case left without an owner.
• Keep our data clean by working the daily alerts, so the backoffice, invoices and payments stay in sync and what our lenders see is right.
• Find the root cause behind recurring issues and fix it for good: write the SOP, work with Product on the fix, and automate what shouldn't be manual.

Skills

Credit underwriting

KYC checks

Data accuracy

Excel / Google Sheets

SQL

English fluency

Tools

Excel

Google Sheets

SQL

Job description

Your role

Every installer that finances a project with Cloover is waiting on us for something: a customer approved, a limit set, an invoice paid, a question answered. Every hour we take is an hour their project sits still. As Portfolio Operations & Underwriting Analyst, you'll run that engine — KYC, B2C and B2B underwriting, installer payouts, and the customer and installer issues that come with a fast-growing loan book — making decisions that move real money from your first week.You'll report to the Head of Portfolio Management and work within a team ofsix across Finance Operations and Portfolio Management. You'll work daily with Risk, Product, Accounting and our Sales and Customer Success teams.

Your mission

• Clear KYC and compliance checks for customers and installers the same day, so no financing stalls on missing documents.
• Underwrite B2C financing applications and B2B installer requests — new installer sign-ups, backed by recommendations that hold up at credit committee.
• Get installers paid accurately and on time: verify final invoices against contracts, completion protocols and photos, and run payouts with four-eyes control, so no payment goes out wrong and none waits without a reason.
• Resolve installer and customer issues end to end, with a first response the same day and no case left without an owner.
• Keep our data clean by working the daily alerts, so the backoffice, invoices and payments stay in sync and what our lenders see is right.
• Find the root cause behind recurring issues and fix it for good: write the SOP, work with Product on the fix, and automate what shouldn't be manual.

Your profile

We care more about how you think and what you've built than where you've been. Here's what will set you up for success in this role:

• 1–3 years in credit, lending or payments operations at a bank, fintech or consumer lender
• You read a credit report or a bank statement and pull out what matters for a decision, and you're comfortable saying no and explaining why.
• You work through a high-volume queue without losing accuracy: you tie totals to the cent, document your decisions, and flag exceptions instead of letting them slide.
• You handle a frustrated installer or customer calmly, in writing or on the phone, and close the loop. You're fluent in English and confident in Excel or Google Sheets, and you reach for SQL or AI to remove manual work.
• Based in Berlin and energized by being in the room. We're intentionally office-first — decisions get made in real time, prototypes get stress-tested over lunch, and the founding team is ten meters away. If that's how you thrive, you'll feel at home here.

Nice to have (but not required):

• Working German (B2 or above) — many of our installer and customer conversations happen in German.
• Hands-on experience with German credit and payments infrastructure:

Don't meet every requirement? Apply anyway. We hire for potential and perspective — credentials are a starting point, not a ceiling.

How we hire

We keep things transparent and respect your time. Most go from first call to offer in under three weeks.

• Intro call (30 min) — We want to understand what you're looking for, not just screen your CV.
• Hiring manager interview (30 min) — We go deep: your experience, your thinking, how you approach problems.
• Case study (1 hour) — You get the brief in advance. We care about your approach — not whether you land on the right answer.
• Offer & signed contract.

Need any adjustments at any stage? Just let us know.

Why us?

• Performance pay. Strong base, bonus tied to outcomes, and meaningful equity — recognised when it happens, not locked behind annual cycles.
• AI-First & unthrottled. Unlimited enterprise-grade AI — no caps, no approval process. Every role, every team. The grunt work disappears so you can focus on what actually requires human judgement.
• Real ownership on a real mission. From day one you're shaping decisions that impact thousands of installers. We're not just building software — we're powering the energy transition across Europe.
• Grow faster than anywhere else. You'll work directly alongside the founding team and world-class investors. If you're building toward your own venture one day, there's no better room to be in.
• The basics, done well. Prenzlauer Berg office with the latest Apple hardware. Free breakfast and dinner, stocked kitchen, 25 days vacation, Urban Sports Club (M), fully covered Deutschland-Ticket, and company discounts.