Responsibilities
- Assess credit applications using experience, data sources, and tech platform to make fast, fair, and accurate decisions.
- Have autonomy in decisioning, with scope increasing over time as knowledge builds.
- Support other analysts on larger and more complex decisions.
- Work alongside analytics teams to optimize lending approach and adapt personal approach.
Requirements
- Demonstrates curiosity to use and learn more about AI tools, comfortable using them practically to solve problems, increase productivity, and improve quality, with good judgement and ability to explain reasoning.
- Smart, humble, motivated, and always looking to improve.
- Experience in commercial loan underwriting, credit sanctioning, or credit analysis within the SME sector in Germany.
- Strong business acumen and working understanding of risk and revenue drivers influencing creditworthiness.
- Ability to interpret & analyse financial statements.
- Motivated and enthusiastic attitude working well in a regularly changing and fast paced environment.
- Excellent communication skills in business English and German.
- Analytical mindset with practical approach to problem solving, coming up with innovative and scalable solutions and suggesting process changes.
Benefits
- 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 OpenUp.
- Ski chalet in winter for team skiing/snowboarding and work; summer trips to locations like France, Italy, Spain.
- Access to gym membership program, €25 for Fit711 or Urban Sports Club.
- €30 contribution towards Deutschlandticket.
- Company Pension with Canada Life.
- Great office locations in Frankfurt and Berlin.
- Paid volunteer day to support a charity.
- Corporate Benefits discounts.
- Fully stocked fridges and snacks in offices.
- Learning and development budget including book budget.
- Learning German budget.
- Company-wide talks with internal and external speakers.
- Access to learning platforms like Treehouse.
Work Arrangement
Hybrid — Berlin, Frankfurt
The culture
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
The offices
Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.
Additional Information
- Hybrid role splitting time between office and home.
- Flexible working for work-life balance.
- Must have excellent communication skills in business English and German.
