Junior Credit Analyst - German Speaking

iwoca; Camden Town; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading fintech company in Camden Town is seeking a Credit Analyst to assess credit applications and make fast, fair decisions. The ideal candidate will possess strong German language skills and a keen understanding of financial statements. This role offers opportunities for growth and a dynamic work environment. The company provides a competitive benefits package and a collaborative team atmosphere.

Benefits

Paid volunteer day

Corporate benefits discounts

Learning and development budget

Access to learning platforms

Mental health support

Company pension

Gym membership program

Qualifications

• Motivated and enthusiastic attitude suitable for fast-paced environments.
• Ability to work with a variety of data sources.
• Experience in decision-making in credit applications.

Responsibilities

• Assess credit applications using various data sources.
• Support other analysts in complex decisions.
• Work alongside analytics teams to optimize lending approaches.

Skills

Strong business acumen

Strong German language skills

Ability to interpret & analyze financial statements

Excellent communication skills

Analytical mindset with problem-solving skills

Job description

About iwoca

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve. We combine cutting‑edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need—often within minutes. As we deepen our relationship with customers, insurance feels like a natural next step: it's a critical piece of the financial puzzle for small businesses, and one that's often underserved. We're bringing the same customer obsession, data‑driven approach, and innovative mindset to the world of SME insurance—starting from first principles to build something that really works for modern businesses.

Mission

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics— they're the heartbeat of our communities, the character of our high streets, and the engine of our economy.

Key Responsibilities

• 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.

Qualifications

• 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.

Benefits

• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate benefits discounts.
• Fully stocked fridges with snacks (both healthy and less healthy) for the whole day.
• A learning and development budget for everyone, including a book budget.
• Learning German budget.
• Company‑wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.
• See iwoca benefits & policies for detail and some additional benefits.
• 26 days of vacation a year plus a free day for your birthday.
• One‑month fully paid sabbatical after 4 years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• Iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
• Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
• €25 contribution towards the Deutschlandticket.
• Company pension with Canada Life.
• A smart, motivated and international team (we represent over 35 different nationalities) with a ridiculous growth‑mindset.

Working Environment

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.