Credit Risk Manager (fmd)

Solaris is Europes leading embedded finance platform. Solaris full German banking license and proprietary modular B2B tech stack empowers its partners from SMEs to large multinational non-financial companies to offer compliant customer-centric banking services providing seamless experiences to customers across all industries. Founded in 2016 Solaris pioneered the Banking-as-a-Service market with an unparalleled combination of tech and banking. Solaris is headquartered in Berlin and employs 300 people in Europe.

• Define and refine the structure of complex credit transactions.
• Assess and approve credit transactions ensuring full compliance with the OHB (Operational Handbook) and external regulatory frameworks.
• Continuously perform optimize and maintain the credit approval process to enhance efficiency and accuracy.
• Establish and maintain manual credit file management systems.
• Conduct regular reviews and updates of credit files to reflect current risk profiles.

• Assist in setting and refining the technical criteria for the Decision Engine.
• Align the conceptual consistency of underwriting principles across both manual and automated channels.

• Prepare regular qualitative portfolio reviews accompanied by action proposals to maintain credit risk exposure within established risk appetite levels.
• Execute ad-hoc assessments as required to mitigate emerging risks.
• Monitor partnership team activities specifically regarding dunning workout and collection actions to ensure alignment with risk standards.

• Take responsibility for closing audit findings within the respective focus areas.
• Lead training initiatives for CRM and Solaris staff on core underwriting principles.
• Drive project-related tasks including the development and launch of new loan products.

Depending on your level of experience your responsibilities and scope of role will range. We dont care much about fancy titles but rather about real personal and professional development as laid out in ourlearning figure together out how you can contribute to our team.

• A university degree ideally with a focus on economics business administration banking or a comparable qualification.
• 3 years of relevant work experience in credit risk management in a bank or financial institution
• Experience of financial products with respect to credit loans process setup and loan documentation processes credit risk management and/or credit structuring
• Experience in regulatory requirements for respective focus area
• it would be a great advantage if you gained experience in advanced excel Python Tableau and/or HTML
• You are fluent in English and German language skills.
• Hands-on and driving the change-mindset
• Reliable solution-oriented independent working method
• Used to working under pressure / on tightdeadlines
• Stakeholder management for multiple tasks and good communication skills
• Passionate about Credit and always wanted to improve old fashioned processes end-to-end with new approaches and technology
• Comfortable working with AI tools thinking critically about AI outputs and contributing to a culture of responsible AI use. We expect you to demonstrate comfort with AI-assisted workflows and a willingness to continuously develop their AI capabilities as the technology evolves.

• Competitive salary and a variable remuneration program.
• Home office budget.
• Learning & development budget of 1000 per year and a transparent growth framework to support your career goals.
• Monthly meal allowance.
• Deutschland ticket subsidy.
• 28 vacation days increasing by 2 days after 2 years and 3 days after 3 years with Solaris.
• Opportunity towork abroad for up to 12 weeks per year.

While job ads usually paint an ideal picture of a candidate studies show that most applicants meet an average of 60% of the criteria. Unfortunately many promising candidates tend to apply only if they meet all the criteria. So if you think you have what it takes but dont necessarily meet every single item in the job description please contact us anyway. Wed love to talk with you and find out if you might be a good fit for us.

At Solaris we are committed to nurturing an inclusive environment where all Solarians feel valued respected and supported. We are dedicated to building a diverse workforce that reflects the diversity of our communities. We are committed to equal employment opportunity regardless of color ethnicity religion sex origin disability marital status citizenship or gender identity. We are proud to be an equal opportunity workplace. If you have a disability or special need that requires accommodation please let us know. Information on data processing:

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DE: annual gross salary range for this position is:

58.000 - 85.000 EUR