Credit Analyst - German Speaking
Credit Analyst - German Speaking
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Job Description
Were looking for a Credit Analyst German Speaking
Were growing fast and more customers means more credit decisions. Our credit team is expanding and were looking for experienced analysts to assess our customers in a fast fair and accurate way.
About us
Fast flexible finance empowers small businesses to manage their cash flow better and seize opportunities making their business and the economy stronger as a whole. At iwoca we do just that. We help businesses get the funds they need when they need it often within minutes.
Weve already made several billion in funding available to over 100000 businesses since we launched in 2012 and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. Well get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cuttingedge technology data science and a 5star customer service.
Our culture
Were expanding fast across our offices in London Leeds Berlin and Frankfurt. With all this growth were looking for people who want to learn on the job and lead projects knowing that your ideas will impact thousands of small businesses.
Your Mission
To assess credit applications youll use your experience a variety of data sources and our tech platform to make fast fair and accurate decisions.
Youll 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. Youll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.
Requirements
We look for people who are smart humble motivated and who are always looking to improve.
You will have:
Experience in commercial loan underwriting credit sanctioning or credit analysis within the SME sector in Germany
Strong business acumen and a working 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 & analyse financial statements
A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment
Excellent 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 initiatives
An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to daytoday problems and suggest changes to processes to improve efficiency
Dont take this list as prescriptive: its just to give you a sense of who might do well at the job. Wed still love to hear from you if you dont hit every point on the list or if you have other experience.
Worklife 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. We understand that inclusivity and diversity that comes through greater inclusivity isnt an optional addon; its the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.
The salary
We expect to pay fromfor this role. But were openminded so definitely include your salary goals with your application. We routinely benchmark salaries against market rates and run quarterly performance and salary reviews.
Visa sponsorship
Whilst we welcome applications from all qualified candidates please note that for this particular position we cannot offer visa sponsorship. Candidates should be eligible to work in the UK independently.
Our benefits
We put a lot of effort into making iwoca a brilliant place to work:
Offices in London Leeds Berlin and Frankfurt.
Events and clubs like bingo comedy nights yoga classes football
Two company retreats a year weve been to France Italy Spain and further afield
Plenty of drinks and snacks in our offices.
We offer a wide range of benefits:
Medical insurance from Vitality including discounted gym membership
25 days holiday an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave
Instant access to emotional and mental health support with our partner Spill
Share options
Generous maternity and paternity leave
A nursery tax benefit scheme to help you
Paid volunteering day to support your chosen charity
Extra leave if you want to travel or study
Onemonth fully paid sabbatical after 4 years
Cycletowork scheme
Electric car scheme
And to make sure we all keep learning we offer:
An L&D budget for everyone including a book budget
Companywide talks with internal and external speakers
Access to learning platforms like Treehouse if you want to learn to code
For more information:
iwoca benefits & policies: coda/d/iwocabenefitspolicies
Required Experience:
IC
Employment Type
Full-Time
