(Senior) Credit Risk Manager - LMM (m/f/d)

Pliant; Berlin; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Remote work flexibility

Competitive remuneration

Flat hierarchy

Talent development opportunities

Pliant Card with monthly credit for产品

Job summary

Pliant is seeking a Senior Credit Risk Manager to lead credit risk assessment for SME and corporate clients across the EEA and UK. You will own a book of large exposures and help improve standards, documentation and the tech stack.

You will collaborate with Sales, Legal, Operations, Product, Data and Risk teams to build scalable, compliant processes and contribute to a high‑performing loan book.

Qualifications

• Minimum 7 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers.
• Strong knowledge of accounting principles and financial analysis; open banking data is a plus.
• Excellent analytical thinking and ability to design scalable processes.
• Fluent English with strong writing skills; other European languages are a plus.

Responsibilities

• Due diligence: assess customers’ business models, profiles and public/financial data.
• Underwriting: analyze financial information, document key risks and mitigants.
• Credit decision: approve limits within delegated authority and maintain loan book quality.
• Risk ownership: monitor high‑limit customers and present trends to risk committees.
• Innovation: streamline complex workflows and leverage AI where appropriate.
• Communication: enable fact-based information flow across teams.

Skills

Credit risk assessment

Analytical thinking

Project management

Financial analysis

Tools

Loan processing software

BI tools

Credit decisioning

Job description

ABOUT US

Pliant is a modular B2B payments platform combining commercial card issuing, payment accounts, FX and spend management for businesses and AI agents. Businesses across travel, e-commerce, insurance and AI-native technology use Pliant to manage complex payment workflows, while fintechs, software platforms and banks use its infrastructure to build and operate their own commercial payment offerings. Pliant's API-first platform also enables AI agents and applications to access regulated payment infrastructure with permissions, controls and auditability built in. Founded in 2020 and headquartered in Berlin, Pliant serves businesses and partners across Europe and North America. A principal member of Visa and Mastercard, Pliant issues commercial cards in 13 currencies across 32 countries under its European e-money license and through regulated partners in the UK and US. Learn more at www.getpliant.com.

ABOUT THE ROLE

As (Senior) Credit Risk Manager you be responsible for credit risk assessment of our EEA and UK SME and corporate clients. You will own a book of large credit exposures. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack.

You will work closely with Alice, our Lead of Credit Risk Management for Large and Middle Markets (LMM), and colleagues from Sales, Legal, Operations, Product, Data and Risk teams.

WHAT YOU'LL DO

• Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.




• Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.




• Credit decision: Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book.




• Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you present to the credit risk committee.




• Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us building scalable yet compliant straight-through processes, including the utilization of AI capabilities.




• Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

WHAT YOU'LL BRING

• Minimum 7 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech.




• Strong knowledge of accounting principles and industry-specific financial analysis. Experience with large corporations as well as structuring deals would be beneficial here. Previous exposure to open banking data is also plus.




• Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.




• Experience with tools used for loan processing, credit decisioning, and BI.




• Project management skills and demonstrated ability to design and steer complex projects end to end.




• Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.




• Fluent English with very good writing skills. Other European languages are a plus.

WHAT WE OFFER

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence




• Attractive remuneration




• Flat hierarchy and transparent communication in a relaxed, professional atmosphere




• Opportunity to develop your talent in a dynamic team with ambitious goals




• Flexibility and possibility to work remotely




• Pliant Card with monthly credit to explore the product and enjoy food with colleagues

Pliant is an equal opportunity employer. We welcome applications from people of all backgrounds, identities and abilities, and are committed to an inclusive hiring process. If you need any accommodations during the interview process, please let us know.

At Pliant we use the Ashby AI Criteria to assist with looking over resumes against our job qualifications for this role. All final decisions are made by our Talent Team and Hiring Team.

A human is behind these processes. Ashby does not automatically reject candidates or make final hiring decisions. Our teams review all results and make the final hiring decision with every candidate that applies.