Risk Manager (Full time, 100% Remote) permanent or freelancer
Risk Manager (Full time, 100% Remote) permanent or freelancer
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Job Description
VEXCASH AG is Germanys leading online credit provider for short-term loans trusted by over 500000 customers. Our mission is to deliver fast flexible financial solutions without long-term commitments. We foster an inclusive innovative culture and are committed to diversity and equal opportunity.
Tasks
We are seeking a Risk Manager to join our team. This fully remote role is open to candidates based in near-CET time zone. You will play a key role in risk management underwriting scoring risk reporting fraud prevention and risk-adjusted pricing for our growing fintech business.
Key Responsibilities
- Lead credit risk analysis including underwriting scoring and risk-adjusted pricing strategies
- Develop monitor and update scorecard models using statistical tools; assess performance and stability of variables define new segments and set credit decision strategies
- Integrate and optimize external risk management and fraud prevention tools
- Design improve and automate risk reporting; develop new reports from scratch as needed
- Monitor key risk KPIs at segment and portfolio level and deliver actionable insights to management
- Conduct ad-hoc analyses and prepare reports for top management
- Test and validate risk measures in internal systems; ensure compliance with internal and external requirements
- Collaborate with cross-functional teams (e.g. Product IT Data) to assess the impact of product and pricing changes on risk
- Stay current with industry best practices and regulatory requirements in consumer credit risk
Requirements
- Bachelors or masters degree in mathematics statistics IT finance or a related field
- Minimum 3 years of experience in risk management and data analysis ideally in the financial sector (banking or financial services)
- Proven experience managing consumer credit portfolios at portfolio level
- Strong skills in building predictive models and handling large datasets
- Advanced proficiency in SQL/MySQL and Python (required); experience with R VBA SAS Tableau is a plus
- Strong analytical problem-solving and communication skills
- Ability to work independently reliably and with meticulous attention to detail in a remote environment
- Fluent in English; German language skills are an advantage
Benefits
- Competitive remuneration
- 100% remote work with flexible hours (CET core hours preferred)
- International inclusive and supportive team culture
- Opportunities for professional development and further training
Please send your CV (and if available a brief cover letter or project portfolio). We comply with GDPR and treat all applications confidentially.
If you are motivated to shape the future of digital lending and thrive in a dynamic remote-first environment we look forward to hearing from you!
Employment Type
Full Time
