Credit Risk Manager
21 Feb 2025
Berlin, Germany
Verified by Turrior
Content + Source + Freshness • 12 Dec 2025 • 95% confidence
77 / 100
Offer value
Moderate offering due to good salary potential and significant responsibilities but high demand for expertise and experience.
- Clear and direct role in risk management for SME lending.
- Access to diverse work culture and C-Level collaborations.
- Moderate requirement for financial expertise and language skills.
- Potentially challenging due to high expectations.
Pros
- Engagement in pivotal decision-making affecting lending strategies.
- Diverse work environment valuing inclusion and diverse perspectives.
- Opportunity to collaborate directly with C-Level executives.
Cons
- Expectations for extensive experience in credit risk are high.
- Requires fluency in multiple languages, which may limit candidate pool.
- Dynamic role may lead to a challenging work-life balance.
Who it's for
Mid to Senior • On-site in Berlin, with part-time remote options
Good fit
- Experienced finance professionals with a focus on credit.
- Risk managers eager to influence product offerings.
- Candidates looking for inclusion in diverse teams.
Not recommended for
- Recent graduates without credit risk experience.
- Those uninterested in an evolving, high-stakes environment.
- Individuals lacking strong analytical abilities.
Motivation fit
Desire to develop risk management strategies for SME lending.Interest in guiding product development through risk insights.Willingness to engage with external stakeholders regularly.
Key skills
Credit risk analysisData interpretation and communicationPolicy implementationStakeholder managementFintech industry knowledge
Score: 77/100 AI verified analysis
About the job
Your mission
- Work closely together with our team of underwriters and analysts
- Manage our SME loan portfolio and monitor risk levels
- Develop and implement risk management strategies, working both conceptually and hands-on when needed
- Comfortable in driving creditworthiness assessments based on different criteria, including quantitative and qualitative analyses on financial, ratings, scores and firmographic information
- Give insights and support our quantitative and data team to develop new features for our Scoring Models
- Collaborate with our product and business development teams to develop new loan products.
- Involved in relations and comms with external stakeholders, including bank partners, data providers and credit bureaus
Your profile
- Bachelor's or Master's degree in Business, Finance, Economics, or a related field with analytical focus
- Experience in credit risk management, ideally in SME or retail lending would be a plus
- Strong understanding of quantitative and qualitative underwriting, credit risk and portfolio management
- Proven experience in understanding and implementing risk management strategies and policies
- Strong analytical and problem-solving skills
- Willingness to work pragmatically and hands-on
- Fluency in English and good knowledge of German, mainly of financial terminology
- Fintech experience would be a plus
- SQL knowledge is not necessary but definitely a plus
Our offer
Our offer
- An attractive base salary.
- Participation in our virtual Share Options Program.
- Fresh coffee and snacks in the office.
- Pet-friendly office.
- Company & team events for a strong team feeling.
- Direct collaboration with our C-Level.
- We are currently a team of more than 30 employees from over 10 nations and are big fans of diversity. At Banxware, everyone is accepted, included, and celebrated, regardless of sexual orientation, cultural background, gender, religion, physical abilities, or lack of any of these.
- We actively encourage women to apply: Our co-founder Miriam is a role model in this regard.
- This is a Berlin-based position.
- We apply a 2-day-per-week office attendance policy.
About us
Banxware is Europe’s leading embedded finance provider, empowering platforms to offer tailored lending solutions to small and medium-sized businesses (SMEs). We partner with a wide range of platforms where SMEs generate revenue, including payment and POS providers, eCommerce marketplaces, and shop software vendors. Additionally, we collaborate with platforms aggregating multiple SMEs, such as neo banks, logistics providers, cash management platforms, and more. Our innovative solutions are trusted by top-tier companies like Qonto, Deutsche Bank (FYRST), Agicap, and JustEat Takeaway (Lieferando). From day one, we’ve operated on an international scale, and we’re proud to embrace a global mindset in everything we do.
