(Senior) Credit Analyst (m/f/x)

FINN; München; Hybrid; EUR 50.000 - 90.000; Vollzeit

Zusammenfassung

Ein innovatives Unternehmen sucht einen erfahrenen Underwriter, der die Risikobewertung für Partner und Kunden leitet. In dieser spannenden Rolle arbeiten Sie eng mit verschiedenen Teams zusammen, um effektive Risikomanagementprozesse zu entwickeln und zu optimieren. Sie profitieren von einem flexiblen Arbeitsumfeld, einem hervorragenden Gehalt und der Möglichkeit, in einem dynamischen Startup zu wachsen. Wenn Sie eine Leidenschaft für Finanzen und Risikomanagement haben, ist dies die perfekte Gelegenheit für Sie.

Leistungen

Flexibles Arbeiten

Jährliches persönliches Entwicklungsbudget von 1.500€

Attraktive Altersvorsorge

Kindergeldzuschuss (300€ pro Kind)

Zugang zu vergünstigten Fitnessstudio-Mitgliedschaften

Qualifikationen

• 2+ Jahre Erfahrung in der Kreditrisikoanalyse und Underwriting.
• Praktische Erfahrung in der Analyse von Finanzberichten.

Aufgaben

• Entwicklung von Underwriting-Modellen zur Risikobewertung.
• Überwachung von Beziehungen zu externen Partnern wie Versicherungsanbietern.

Kenntnisse

Finanzanalyse

Kreditrisikoanalyse

Analytische Fähigkeiten

Strategisches Denken

Teamarbeit

Ausbildung

Bachelor in Finanzen

Jobbeschreibung

FINN drives change for people, organizations and the planet through frictionless mobility. Offering convenient and flexible car subscriptions, we bring a true e-commerce experience to car ownership and accelerate the arrival of electric mobility. Join our fast-growing scale-up to make FINN the natural choice in Europe. We work with the best car brands in the world and are backed by leading global investors.

Your Role

As (Senior) Underwriter you will lead risk assessment for our key partners - especially for used vehicle remarketing - and subscription customers. You will be part of the CFO Office and collaborate with the Fleet Purchasing and Remarketing, wider Finance and Operations Teams to develop, refine and apply our risk assessment frameworks. In addition, you will manage relationships with FINN’s risk related partners and spare with our Tech and operational teams to increase efficiency and robustness of our processes.

Your Benefits

• This role is based in Munich with flexibility to work from home or completely remote. Our open, modern office in the middle of Munich is known for loads of fun with amazing colleagues and frequent team events.
• With significant growth potential, FINN allows you to quickly develop and succeed in a highly motivating startup environment with ambitious challenges in cross-functional teams.
• Excellent fixed salary, significant virtual equity share of the company, alongside a yearly personal development budget of 1,500€ and an attractive pension scheme.
• Flexible working hours, Kindergarten allowance (300€ per child per month) as well as agency support for finding childcare.
• Access to discounted gym memberships, and attractive mobility options (e.g. discounts for FINN cars via JobAuto or JobRad).

Your Responsibilities

• Develop and refine underwriting models to assess risk exposure for both used vehicle remarketing partners and subscription customers portfolios.
• Conduct assessments for major automotive dealerships or B2B customers through data collection and analysis.
• Oversee relationships and improve operational processes with external partners, such as insurance carriers, to secure and maintain effective risk coverage.
• Implement and oversee continuous monitoring of our risk exposure, adherence to procedures / policies and default trends and provide recommendations to drive continuous improvement.

Your Profile

• You are an experienced finance professional with 2+ years of experience in underwriting and credit risk analysis, ideally gained in dynamic, innovative environments.
• You have practical experience in analyzing financial statements and business performance evaluations as well as in credit assessment. Industry expertise in the automotive market is considered a plus.
• You bring a strategic mindset, exceptional analytical skills, and a proactive approach to managing risk and process integrity.
• You are highly collaborative, able to work seamlessly across various teams to drive continuous improvement in underwriting processes.
• You are fluent in German (C2/native) and proficient in English (C1), thriving in an international, fast-paced setting.

Interested in Joining Our Fast-Growing Scale-Up?

Please upload your CV and transcripts online. Jan and Paul are looking forward to your application and will get back to you as soon as possible!

Equal Opportunities for Everyone

FINN is an equal opportunity employer. We embrace and celebrate diversity and are committed to creating an inclusive environment for all employees.