Senior Credit Analyst

0TO9 | Bank of Entrepreneurship; Berlin; Vor Ort; EUR 70.000 - 110.000; Vollzeit

Benefits dieser Stelle

Beautiful office in Berlin

Dynamic fintech environment

Venture-building exposure

Zusammenfassung

0TO9 | Bank of Entrepreneurship in Berlin is seeking a Senior Credit Analyst to join our B2B lending operations. You will assess corporate borrowers, analyze financials and risk, and translate findings into clear credit decisions with the commercial team.

This hands-on role offers end-to-end exposure from initial assessment to funded loan, with short decision paths and ownership as we scale our credit function.

Qualifikationen

• Degree in finance, economics, or related field.
• 5-7 years of experience in credit analysis, corporate/SME lending, or similar roles.
• Strong financial analysis skills and a structured, detail‑oriented approach.
• Clear written communication that stands up to decision‑makers.
• Fluency in English and German.

Aufgaben

• Perform credit analysis and financial assessment of corporate borrowers (financial statements, cash flows, business models, market position).
• Evaluate and structure credit proposals with the commercial team, balancing risk with opportunity.
• Prepare credit memos and present recommendations to the credit committee.
• Monitor the existing portfolio, track performance and covenants, and flag early signs of deterioration.
• Contribute to developing credit processes, models, and policies as we scale.

Kenntnisse

Financial analysis

Credit risk assessment

Communication

Bilingual EN/DE

Detail oriented

Ausbildung

Finance/Economics degree

Jobbeschreibung

About 0TO9

0TO9 is a fast-growing, profitable European fintech bank built on a unique model: in parallel with our banking operations, we act as a venture builder, launching entrepreneur-driven portfolio companies with capital, licenses, and infrastructure from day one, each a different banking product or vertical. We build alongside a team of founders, colleagues, and investors who bring some of the strongest track records in banking and fintech.

About 0TO9

0TO9 is a fast-growing, profitable European fintech bank built on a unique model: in parallel with our banking operations, we act as a venture builder, launching entrepreneur-driven portfolio companies with capital, licenses, and infrastructure from day one, each a different banking product or vertical. We build alongside a team of founders, colleagues, and investors who bring some of the strongest track records in banking and fintech.

About The Role

As Senior Credit Analyst, you'll sit at the core of our B2B lending operations in Berlin. You'll assess the companies we finance - digging into financials, business models, and risk - and turn that analysis into clear, well-founded credit decisions. You'll work closely with the commercial team throughout the deal process, giving you end-to-end exposure from first assessment to funded loan and beyond. This is a hands‑on role in a fast‑moving environment: short decision paths, real ownership, and the chance to shape how we build our credit function as we grow.

What you'll do:

• Perform credit analysis and financial assessment of corporate borrowers - financial statements, cash flows, business models, and market position
• Evaluate and structure credit proposals together with the commercial team, balancing risk with business opportunity
• Prepare credit memos and present recommendations to the credit committee
• Monitor the existing portfolio - tracking performance, covenants, and early warning signals, and flagging credit deterioration early
• Contribute to developing our credit processes, models, and policies as we scale

About you

• A degree in finance, economics, or a related field.
• 5-7 years of experience in credit analysis, corporate/SME lending, or similar - from a bank, fintech, debt fund, or credit institution.
• Strong financial analysis skills and a structured, detail-oriented way of working.
• Clear written communication, your credit memos hold up in front of decision-makers
• Fluency in English and German.

What we offer:

• Be part of building the leading fintech bank & venture builder
• A dynamic, entrepreneurial and international environment
• Beautiful office in the heart of Berlin