Credit Risk Manager

As Credit Risk Manager, you will take full ownership of the credit risk framework, operating as a hands-on builder and independent risk partner. This role requires resilience to navigate complex stakeholder dynamics, technical agility to modernize reporting infrastructure using Looker and Mambu, and expertise to tackle operational backlogs while ensuring robust risk steering across the diverse portfolio.

What you'll do

• Perform independent credit risk analysis of counterparties and transactions (corporates, financial institutions, sovereigns), evaluating financials, business models, and structures.
• Architect and maintain reporting infrastructure using Looker, Mambu, and Google Sheets, ensuring high data quality across all risk processes.
• Drive data-driven decision-making by creating insightful risk dashboards and reporting that directly influence senior management's strategic steering.
• Maintain strict oversight of credit developments, identifying sector concentrations and deteriorating risk profiles to facilitate proactive risk mitigation.
• Manage loan loss provisioning processes in accordance with IFRS 9 and ECL frameworks, including staging assessments and qualitative overlays.
• Ensure strict adherence to internal risk limits and external regulatory requirements (e.g., CRR, MaRisk, Basel III/IV).
• Lead or participate in initiatives to improve data quality, enhance systems, and validate models, driving modernization of risk infrastructure.
• Act as partner to Front Office, Finance, and Risk Controlling teams, providing expert guidance on credit risk topics while balancing business growth with robust risk management.

What you'll need

• University degree in Finance, Economics, Business Administration, or related discipline.
• 5+ years of experience in credit risk analysis, risk controlling, or credit structuring within banking or financial services.
• Proven ability to assess transactional credit risk, including business models, financial covenants, collateral, and legal documentation.
• Strong working knowledge of IFRS 9 concepts (staging, ECL) and European regulatory frameworks (CRR, Basel III/IV, MaRisk).
• High personal resilience and comfort navigating a fast-paced, forming fintech environment with strength of character to handle significant stakeholder pressure.
• Highly self-directed approach to identifying deteriorating risk profiles and portfolio concentrations, with capability to take full ownership with minimal guidance.
• Skilled at managing risk data using Looker, Mambu, and Google Sheets.
• Proven ability to navigate complex stakeholder dynamics and hold firm on risk decisions under pressure.

Nice to have

• Professional certifications such as FRM or CFA designation.
• Programming skills (Python/SQL) and BI tools (Tableau/Power BI).

What they offer

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office and 30 vacation days.
• Company pension scheme (Betriebliche Altersvorsorge) with 20% employer contribution.
• Urban Sports Club membership subsidy (€20+ per month).
• Deutschland Ticket subsidy (€25 per month) and JobRad bike lease with insurance coverage.
• Office snacks, daily fresh fruit, drinks, and relocation support available.