Credit Analyst

OverviewWe’re looking for a Credit Analyst - German Speaking (m/f/d). We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.We are iwoca. Since 2012 we’ve revolutionised how small businesses access finance, turning what was once a lengthy, frustrating process into funding that’s fast and flexible. Our mission is to empower one million businesses with the financial tools they deserve.Your MissionTo assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.You will support other analysts on larger and more complex decisions, which is a key part of our workflow.Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.RequirementsExperience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in GermanyStrong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan applicationStrong German language skills, ideally at native levelThe ability to interpret & analyse financial statementsA motivated and enthusiastic attitude that works well in a regularly changing and fast paced environmentExcellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiativesAn analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiencyDon’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. Inclusivity is core to what makes us great.The SalaryWe expect to pay from 50,000 - 63,000 EUR for this role. We’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.The CultureAt iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.The OfficesOffices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacksEvents and clubs, like bingo, comedy nights, yoga classes, football, etc.The BenefitsA smart, motivated and international team (we represent over 35 different nationalities) with a growth mindset.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 our partner OpenUp.iwoca takes over a ski chalet in winter for team skiing or snowboarding (and work).Access to gym membership programs (€25 for Fit711 or Urban Sports Club).€25 contribution towards the Deutschlandticket.Company Pension with Canada Life.Paid volunteer day to support a charity of your choice.Corporate Benefits discounts and stocked office fridges with snacks.Learning and development budget, including a German language budget and access to learning platforms like Treehouse.Compensation Range: €50K - €63KSeniority levelMid-Senior levelEmployment typeFull-timeJob functionFinance and SalesWe also invite referrals; you can get notified about new Credit Analyst roles in London, England, United Kingdom. #J-18808-Ljbffr