Credit Analyst - German Speaking

Wayflyer; Greater London; Hybrid; GBP 55,000 - 90,000; Full time

Benefits offered by this job

Private healthcare

Life insurance

Pension

Equity

Parental leave

Work abroad 60 days

25 days off

Job summary

Wayflyer seeks a German-speaking Credit Analyst to join our growing team in London, with options for Berlin or Dublin. You will assess financial and non-financial data, quantify risks for eCommerce funding, and own the day-to-day relationship with German-speaking sales and CS reps.

The role starts with shadowing calls and progresses to leading conversations with customers. You'll evaluate loan opportunities across segments, present fund/no-fund recommendations in approvals, and collaborate with

Qualifications

• 1-2 years in finance, auditing or a related field, or you’re a strong grad.
• Fluent German and English is required (tests as part of interview).
• Comfortable with Excel, Word and PowerPoint. SQL or Python is a plus.
• Experience managing external customer relationships, or underwriting in the German market, is a bonus. CFA is welcome, not expected

Responsibilities

• Analyse financial and non-financial data on new and existing customers, and quantify the risks of running and funding an eCommerce business
• Own the day-to-day relationship with our German-speaking sales and CS rep
• Lead calls with German customers, acting as their trusted point of contact
• Shadow customer calls at first, then lead them
• Assess and structure loan opportunities across small, mid-market and enterprise deals, working with sales and operations
• Present your fund or no-fund recommendation, with amount and payback terms, to managers and directors in our approval meetings, and work with the data and engineering teams on how their projects affect credit risk

Skills

German language

Financial analysis

Credit risk

Excel

SQL/Python

Tools

Excel

Word

PowerPoint

SQL

Python

Job description

About Wayflyer

Today's small businesses need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome and often out of reach. That's why we built Wayflyer.

Our technology allows us to assess businesses in minutes, generate financing offers that reflect their growth potential and send funds in as little as 24 hours. To date, we've deployed over $6bn to thousands of businesses worldwide, backed by Tier 1 banks like J.P. Morgan.

You'll be collaborating with ambitious colleagues from around the world. We have offices in Dublin, London, New York, Charlotte, Berlin and Sydney.

The challenge

Our German market is growing and deal volume is growing with it. We need an analyst who can decide which businesses we fund, turning incomplete information into a clear fund or no-fund call. Some of that information will come from reps and customers.

What you'll actually do

• Analyse financial and non-financial data on new and existing customers, and quantify the risks of running and funding an eCommerce business
• Own the day-to-day relationship with our German-speaking sales and CS rep
• Lead calls with German customers, acting as their trusted point of contact
• Shadow customer calls at first, then lead them
• Assess and structure loan opportunities across small, mid-market and enterprise deals, working with sales and operations
• Present your fund or no-fund recommendation, with amount and payback terms, to managers and directors in our approval meetings, and work with the data and engineering teams on how their projects affect credit risk

What this role could turn into

This is a growing market and you’ll grow with it. You’ll start by owning relationships with our German-speaking reps and shadowing customer calls. From there, this role can lead to:

• Senior Credit Analyst for the German market, handling escalations and leading customer calls and complex deals
• Mentoring and coaching new Analysts as the German underwriting team grows, and shaping how we underwrite the market
• Portfolio management or wider credit risk, with direct exposure to senior leaders through our approval meetings

Who thrives here

You’re curious, high-agency and entrepreneurial. Maybe you’ve run a side business, started a run club or led a university society. You think in first principles, can simplify complex problems, and balance risk with growth. You’re articulate, detail-oriented and a self-starter. You’ll probably end up doing things that aren’t in this job description. That’s not a warning - it’s the point.

We hire for range

• Fluent/Native German and English is required (note: these will be tested as part of the interview process)
• 1-2 years in finance, auditing or a related field, or you’re a strong grad. A finance background isn’t essential
• Comfortable with Excel, Word and PowerPoint. SQL or Python is a plus
• Experience managing external customer relationships, or underwriting in the German market, is a bonus. CFA is welcome, not expected

Location and working policy

Berlin, Dublin or London. You’ll be in the office 4 days a week for your first 6 months, then it becomes flexible under our standard hybrid policy.

The good stuff

• 25 days off, plus public holidays.
• Private healthcare, life insurance, and a pension.
• Equity - because you should own a piece of what you're building.
• Generous parental leave for primary and secondary caregivers.
• 60 days a year to work abroad from wherever you want.

By submitting your application, you acknowledge that Wayflyer Limited will process your personal data for the purpose of evaluating your suitability for the role. Such processing is based on the need to take steps prior to entering into a potential employment agreement. To learn more about how we handle your personal data, you can contact our privacy team at [e-mail] or review our privacy notice at https://wayflyer.com/privacy-notice.