Underwriter (all genders)

Banxware GmbH; Berlin; Hybrid; EUR 40.000 - 60.000; Vollzeit

Zusammenfassung

A leading embedded finance provider in Berlin is looking for a credit risk management specialist to manage SME loan portfolios and develop risk management strategies. Candidates should hold relevant degrees and possess analytical skills, with a preference for experience in SME lending and fintech. The role offers an attractive salary and a supportive, diverse working environment with flexible office attendance policies.

Leistungen

Attractive base salary

Participation in Share Options Program

Fresh coffee and snacks

Pet-friendly office

Company & team events

Qualifikationen

• Experience in credit risk management, ideally in SME or retail lending.
• Willingness to work pragmatically and hands-on.
• Fintech experience would be a plus.

Aufgaben

• Manage SME loan portfolio and monitor risk levels.
• Develop and implement risk management strategies.
• Collaborate with product and business development teams.

Kenntnisse

Credit risk management

Analytical skills

Quantitative and qualitative analysis

Strong understanding of portfolio management

Problem-solving skills

Fluency in English

Good knowledge of German financial terminology

Ausbildung

Bachelor's or Master's degree in Business, Finance, or Economics

Jobbeschreibung

Your mission

• Work closely together with our team of underwriters and analysts
• Manage our SME loan portfolio and monitor risk levels
• Develop and implement risk management strategies, working both conceptually and hands‑on when needed
• Comfortable in driving creditworthiness assessments based on different criteria, including quantitative and qualitative analyses on financial, ratings, scores and firmographic information
• Give insights and support our quantitative and data team to develop new features for our Scoring Models
• Collaborate with our product and business development teams to develop new loan products.
• Involved in relations and comms with external stakeholders, including bank partners, data providers and credit bureaus

Your profile

• Bachelor's or Master's degree in Business, Finance, Economics, or a related field with analytical focus
• Experience in credit risk management, ideally in SME or retail lending would be a plus
• Strong understanding of quantitative and qualitative underwriting, credit risk and portfolio management
• Proven experience in understanding and implementing risk management strategies and policies
• Strong analytical and problem‑solving skills
• Willingness to work pragmatically and hands‑on
• Fluency in English and good knowledge of German, mainly of financial terminology
• Fintech experience would be a plus
• SQL knowledge is not necessary but definitely a plus

Our offer

• An attractive base salary.
• Participation in our virtual Share Options Program.
• Fresh coffee and snacks in the office.
• Pet-friendly office.
• Company & team events for a strong team feeling.
• Direct collaboration with our C‑Level.

You belong with us

• We are currently a team of more than 30 employees from over 10 nations and are big fans of diversity. At Banxware, everyone is accepted, included, and celebrated, regardless of sexual orientation, cultural background, gender, religion, physical abilities, or lack of any of these.
• We actively encourage women to apply : Our co‑founder Miriam is a role model in this regard.

Place of work

• This is a Berlin‑based position.
• We apply a 2‑day‑per‑week office attendance policy.

About us

Banxware is Europe’s leading embedded finance provider, empowering platforms to offer tailored lending solutions to small and medium‑sized businesses (SMEs). We partner with a wide range of platforms where SMEs generate revenue, including payment and POS providers, eCommerce marketplaces, and shop software vendors. Additionally, we collaborate with platforms aggregating multiple SMEs, such as neo banks, logistics providers, cash management platforms, and more. Our innovative solutions are trusted by top‑tier companies like Qonto, Deutsche Bank (FYRST), Agicap, and JustEat Takeaway (Lieferando). From day one, we’ve operated on an international scale, and we’re proud to embrace a global mindset in everything we do.