Credit Risk Analyst (f/m) for solarisBank AG)

Berlin, Germany

We are currently seeking a Credit Risk Analyst to join our growing team. Reporting to the Head of Credit Risk Management you will play a key role in the development and validation of products, cash and loss forecasting as well as identifying potential new opportunities.

This role involves data mining skills and confidence to make critical decisions, challenge and manage stakeholder's expectations.

As a Credit Risk Analyst you will (i) manage our credit risk policies and (ii) support the structuring and execution of larger transactions:

  1. Policies:
  • Create, progress on and streamline credit risk policies for existing and new products and partnerships, which involves among others:
    • development of underwriting guidelines (metrices and thresholds)
    • design of underwriting processes (analogue and digital)
    • definition of minimum data requirements
    • application and development of rating approaches using limited data sets
    • strong cooperation with sales, tech and quant departments
  • Update and optimize debt collection policies also cooperating with 3rd party service providers.
  • Develop and optimize dashboards for the monitoring of exposures, e.g. on portfolio, partner, product, geography levels
    • define risk matrices, target levels and thresholds to monitor credit risk on individual loans and aggregated level
    • strong cooperation with tech and finance department
  • Ensure risk processes / policies are compliant with regulatory requirements
    • requirements are consistently monitored by an independent department (not this role) and automatically notified to the function
    • function makes sure new requirements are complied with in a timely manner
    • strong cooperation with risk, compliance and other departments plus management
  1. Transactions

Support us in structuring and execution of individual transactions, comprising among others:

  • risk appraisal of larger transactions (not always) based on existing risk policies, using corporate finance analytics
  • building and operation of financial models
  • structuring and negotiating
  • legal documentation of loan and security agreements
  • strong cooperation with legal and sales and product departments plus exposure to partners / customers and management

Must Have:

  • advanced corporate finance skills
  • sense of simplification, standardization and digitalization
  • hands on experience in design and implementation of (risk) policies
  • highly numerate and strong background in financial analysis, including financial modelling
  • 2-3 years of working experience in the banking / fintech industry
  • Experience in digitalization including cooperation with IT teams
  • excellent communications skills with fluency in German (!) and English

What do we offer? 

  • Responsible and varied work
  • Direct cooperation with the decision-makers and shaping the future of solarisBank, one of the most attractive FinTechs in the industry
  • An excellent working culture with flat hierarchies in an international, highly motivated team