Credit Manager (m/f/d)

We are looking for a

Credit Manager (m/f/d)

(unlimited, fulltime) Join our team at our locations in Oslo, Stockholm, Berlin, Verl, and Amsterdam – flexible working conditions are available.

Join our international Credit Risk team and help shape the future of financial services. In this role, you will perform holistic credit assessments, ensure portfolio health, and contribute to developing efficient, scalable credit processes. You will work closely with stakeholders across Sales, Product, Compliance, and Implementation — balancing risk and growth across our BNPL and financial services offerings.

This position is ideal for credit professionals who thrive in dynamic environments, enjoy analytical work, and are curious about improving processes. You will take the initiative, share ideas, and play a key role in evolving credit risk management — working closely with stakeholders across functions to drive smart, scalable solutions.

What will be your challenge?

• Conduct end-to-end credit assessments and financial due diligence across the client lifecycle.
• Monitor portfolio performance, detect early signs of distress, and define mitigation strategies.
• Identify and contribute to process improvements, automation, and credit risk framework enhancements across regional teams.
• Collaborate with cross-functional teams to embed credit risk requirements into client journeys, systems, and products.
• Present credit decisions and recommendations to internal stakeholders and Credit Committees.

What you need to have to succeed in the role:

• 3+ years of experience in Credit Risk or Credit Management within Fintech, Banking, or Payments.
• Strong knowledge of credit analysis, risk classification, and regulatory frameworks (including KYC/AML).
• Proven track record in managing credit processes and contributing to digital transformation or operational excellence initiatives.
• Analytical mindset with strong investigative skills and keen attention to detail.
• Proficiency with financial, data analysis, and reporting tools.
• Excellent stakeholder management and communication skills across diverse business functions.
• Proactive, structured, and solution-oriented — with a hands-on, “roll-up-your-sleeves” mentality.
• Familiarity with Lean, Agile, or Continuous Improvement tools (e.g., Kaizen, VSM) is a plus.
• Fluency in English. German, Dutch, or a Nordic language is a plus.

Salary: EUR33

Benefits:

• We foster an inclusive environment and a culture of appreciation, enriched by our employee networks.
• Support for sports and leisure activities to prioritize your health.
• Numerous training and development opportunities, including Bertelsmann University courses, language classes, and leadership training.
• Discounts on Bertelsmann products and financial incentives.
• Diverse work models, including mobile office, flexible hours, and part-time options.