(Senior) Credit Risk Manager - LMM (m/f/d)

As (Senior) Credit Risk Manager you be responsible for credit risk assessment of our EEA and UK SME and corporate clients. You will own a book of large credit exposures. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack. You will work closely with Alice, our Lead of Credit Risk Management for Large and Middle Markets (LMM), and colleagues from Sales, Legal, Operations, Product, Data and Risk teams.

Responsibilities

Due diligence: Assess who customers are, how and with whom they operate their business model, and their public and financial profiles; Underwriting: Analyze business and financial information of customers, write up key risks and mitigants and conclude; Credit decision: Decide on limit requests of customers within delegated authority and help build and maintain a performing loan book; Risk ownership: Own multiple high-limit customers and groups of customers, follow their development over time, and monitor their risk profiles presented to the credit risk committee; Innovation: Systematize business problems, design smart solutions and help build scalable yet compliant straight-through processes, including the use of AI capabilities; Communication: Act as a facilitator and ensure a smooth, fact-based information flow between colleagues and support a culture of open dialogue

Requirements

Minimum 7 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech; Strong knowledge of accounting principles and industry-specific financial analysis; Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions; Experience with tools used for loan processing, credit decisioning, and BI; Project management skills and demonstrated ability to design and steer complex projects end to end; Determination and desire to work in a team to achieve high-quality results for customers, even under stress; Fluent English with very good writing skills

Nice to have

Experience with large corporations as well as structuring deals; Previous exposure to open banking data; Other European languages

Benefits

Opportunity to work in a growing team with big responsibilities; Attractive remuneration; Flat hierarchy and transparent communication in a relaxed, professional atmosphere; Opportunity to develop talent in a dynamic team with ambitious goals; Flexibility and possibility to work remotely; Pliant Card with monthly credit to explore the product and enjoy food with colleagues