Senior Credit Analyst - German Speaking - iwoca

iwoca; Berlin; Hybrid; EUR 63.000 - 85.000; Vollzeit

Zusammenfassung

iwoca is seeking a Senior Credit Analyst to join our growing credit team in Berlin. The role involves assessing credit applications using data and technology, alongside a collaborative approach with analytics teams. We're looking for experienced candidates fluent in German, equipped with strong business insight. The position offers a competitive salary and extensive benefits, including flexible working options and commitment to employee development.

Leistungen

26 days' holiday plus additional birthday leave

Generous maternity and paternity leave

Paid volunteering day

Learning and development budget

Company retreats twice a year

Mental health support access

Qualifikationen

• Experience in commercial loan underwriting or credit analysis within SME sector.
• Strong German language skills, ideally at native level.
• Ability to interpret and analyse financial statements.

Aufgaben

• To assess credit applications using various data sources and tech platform.
• Support other analysts on larger decisions as part of workflow.
• Work alongside analytics teams to optimize lending approach.

Kenntnisse

Credit analysis

Commercial loan underwriting

Risk understanding

Financial statement analysis

Analytical mindset

Communication skills

Jobbeschreibung

We're looking for a Senior Credit Analyst - German Speaking (m / f / d)

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.

About us

Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.

We've already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We'll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.

Our culture

We're expanding fast across our offices in London, Leeds, Berlin and Frankfurt. With all this growth, we're looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses.

Your Mission

• 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

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

You will have :

• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
• Strong German language skills, ideally at native level
• 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. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives
• 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.

Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.

We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.

The salary

We expect to pay from €63,000 - €85,000 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.

Whilst we welcome applications from all qualified candidates, please note that for this particular position we cannot offer visa sponsorship. Candidates should be eligible to work in the Germany independently.

We put a lot of effort into making iwoca a brilliant place to work :

• Offices in London, Leeds, Berlin and Frankfurt.
• Events and clubs, like bingo, comedy nights, yoga classes, football...
• Two company retreats a year, we've been to France, Italy, Spain and further afield
• Plenty of drinks and snacks in our offices.

We offer a wide range of benefits :

• 26 days' holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave
• Instant access to emotional and mental health support with our partner
• Generous maternity and paternity leave
• Paid volunteering day to support your chosen charity
• Extra leave if you want to travel or study
• One-month fully paid sabbatical after 4 years

And to make sure we all keep learning, we offer :

• An L&D budget for everyone, including a book budget
• Company-wide talks with internal and external speakers
• Access to learning platforms like Treehouse if you want to learn to code