Underwriting Representative

Qred; Stockholms kommun; Hybrid; SEK 700,000 - 950,000; Full time

Benefits offered by this job

Remote work one day per week

Job summary

Qred, a Nordic fintech, is hiring a Customer Operations & Loan Specialist for the DACH region. You will evaluate credit applications, guide German-speaking entrepreneurs through tailored financing, and own onboarding and execution end-to-end in a rapidly growing market.

You will bridge customer engagement with financial assessment, progressing toward underwriting authority while managing relationships and supporting product adoption. Stockholm-based with hybrid flexibility.

Qualifications

• German language proficiency at native or fluent level with strong English
• Experience in customer operations, client management, or fintech sales
• Foundational experience analyzing financial statements, credit data or business metrics
• Educational background in business, economics, finance or related field or equivalent experience

Responsibilities

• Evaluate loan applications by analyzing operational performance and credit risk in partnership with underwriting.
• Manage high-volume customer inquiries via phone, chat, and email to ensure fast loan processing.
• Structure customized financing proposals aligned with applicant business models and cash flow.
• Develop long-term customer relationships through proactive account management and product adoption.
• Transition into full credit underwriting authority to independently approve and manage small business loans over time.

Skills

German language proficiency

English language proficiency

Customer operations experience

Credit assessment

Business/finance education background

Education

Business, economics or finance degree

Job description

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Customer Operations & Loan Specialist (DACH Region) for the next phase of growth.

About The Role

You will directly impact small business growth by evaluating credit applications and guiding German-speaking entrepreneurs through tailored financing solutions. This role bridges direct customer engagement with financial assessment, giving you end-to-end ownership of customer onboarding and credit execution in a rapidly scaling market.

Key Responsibilities

• Evaluate business loan applications by analyzing operational performance and credit risk in partnership with underwriting.
• Manage high-volume customer inquiries across phone, chat, and email to ensure fast and transparent loan processing.
• Structure customized financing proposals that align with applicant business models and cash flow requirements.
• Develop long-term customer relationships through proactive account management and product portfolio adoption.
• Transition into full credit underwriting authority to independently approve and manage small business loans over time.

What we’re looking for

You bring a structured, analytical approach to problem-solving and excel at building trust with business owners. You are motivated by operational ownership, adapt quickly to changing priorities, and want to contribute to building robust customer operations frameworks.

Qualifications

• Native-level or fluent professional proficiency in German, alongside strong working proficiency in English.
• Practical background in customer operations, client management, or sales within financial services or fintech.
• Foundational experience analyzing financial statements, credit data, or business metrics.
• Educational background in business, economics, finance, or a related field (or equivalent practical experience).

Why Qred?

This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from!

One Last Thing

This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately.

Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law.

Qred is an international FinTech scale-up that specializes in digital financing solutions for small businesses, with operations in the Nordics, Benelux, Germany and Brazil. We are passionate about helping small businesses thrive and grow, by providing them with business loans and credit cards. Right now we’re in an exciting phase of our journey that focuses on growth through smart product development and technology fueled by international expansion.