Senior Credit Analyst

7 days ago

Greater London, United Kingdom iwoca Full time

Join to apply for the Senior Credit Analyst - German Speaking role at iwoca. We’re looking for a Senior Credit Analyst - German Speaking (m/f/d). Our credit team is expanding as we grow fast, and we need experienced analysts to assess our customers in a fast, fair, and accurate way. Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That’s why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when they’re needed. Your Mission Assess credit applications using experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. Exercise autonomy in decisioning; scope will increase as you build knowledge of our systems and processes. Support other analysts on larger and more complex decisions. Collaborate with analytics teams to optimise our approach to lending and adapt your own approach in line with that goal. Requirements Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany. Strong business acumen and an understanding of the risk and revenue drivers that influence the creditworthiness of a loan application. Strong German language skills, ideally at native level. The ability to interpret and analyse financial statements. Motivated and enthusiastic attitude that works well in a regularly changing and fast‑paced environment. Excellent communication skills; direct telephone contact with customers and regular cross‑functional collaboration. An analytical mindset with a practical approach to problem solving; innovative and scalable solutions to day‑to‑day problems. Work‑life balance is important at iwoca. We offer flexible working so you can split your time between the office and home. This hybrid role allows you to make better use of your free time. At iwoca, we prioritise a culture of learning, growth, and support, and we invest in the professional development of our team members. Diversity is core to what makes us great. We expect to pay from €63,000 - €85,000 for this role. We benchmark salaries against market rates and run quarterly performance and salary reviews. Benefits 26 days of vacation a year plus a free day for your birthday. One‑month fully paid sabbatical after 4 years. Mental health support with direct access to certified psychologists via OpenUp. Access to the gym membership program: €25 for Fit711 or Urban Sports Club. €25 contribution towards the Deutschlandticket. Company Pension with Canada Life. Great office locations – in Frankfurt, Berlin, London, and Leeds. Paid volunteer day. Corporate benefits discounts. Fully stocked fridges and snacks in our offices. Learning and development budget for everyone. Learning German budget. Company‑wide talks with internal and external speakers. Access to learning platforms like Treehouse. Seniority level Mid‑Senior level Employment type Full‑time Job function Finance and Sales #J-18808-Ljbffr

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