Credit Risk Analyst

As a Junior Credit Risk Analyst, you will work closely with the credit risk team to drive the performance of our product suite (BNPL, factoring, etc.), playing an integral part in our dynamic Risk Management department by assessing, analyzing, and managing credit risks associated with our operations.

What you'll do

• Assess the creditworthiness of our merchants, as well as of the buyers in their platforms.
• Use SQL and Python/R to extract insights from vast datasets, identifying trends in borrower behavior and macroeconomic shifts.
• Spearhead our strategic decisioning for our most valued transactions.
• Collaborate with the Product and Engineering teams to steer the development of our underwriting policy and score cards that optimize for both conversion and risk.

What you'll need

• A Bachelor's degree in a quantitative field (Economics, Finance, Statistics, Mathematics, or Data Science).
• Proficiency in SQL for querying large databases.
• Experience with BI tools, ideally Metabase.
• At least 1 year of (internship) experience in a credit or financial analyst role.
• Strong understanding of factoring, credit risk or similar functions.
• Inquisitive mindset, plus interest in learning new methodologies and AI tools.

Nice to have

• Previous work experience in banking or finance.
• Familiarity with companies' financial statements.

What they offer

• €1,000 per year for learning and development.
• €300 per year for team building activities.
• 28 vacation days per year (increasing 1 day every year up to 30).
• Office in central Berlin, 3+ days per week; Workation policy allowing up to 6 weeks per year outside Germany.
• Subsidised gym membership and €46 per month towards Deutschlandticket.