Credit Analyst – German speaking

Overview

In this Credit Analyst role, you assess SME credit applications using data sources and our platform to deliver fast, fair decisions. You will gain autonomy as you build knowledge of our systems, while supporting colleagues on larger cases. The role is data-driven and collaborative, with potential to influence lending approaches and processes. You join a mission-driven team helping SMEs access flexible finance and contribute to scalable credit decisioning.

Pay / Benefits

• Medical insurance from Vitality
• 25 days’ holiday plus birthday day
• Share options
• Two company retreats per year
• Maternity and paternity leave
• Cycle-to-work scheme

Responsibilities

• Assess credit applications using multiple data sources and our tech platform to make decisions
• Exercise increasing autonomy in credit decisioning as you learn systems and processes
• Support other analysts on larger, more complex decisions
• Collaborate with analytics teams to optimise lending approaches and adapt your methods accordingly

Key requirements

• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany
• Strong business acumen and understanding of risk and revenue drivers affecting creditworthiness
• Excellent German language skills (native level ideal)
• Ability to interpret and analyse financial statements
• Motivated, adaptable attitude in a fast-paced environment
• Excellent communication skills with customers and cross-functional teams
• Analytical mindset with practical problem-solving and process improvement ideas

• strong communication
• analytical mindset
• problem solving
• credit analysis
• financial statement interpretation
• data-driven decision making

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