Credit Risk Manager – US Corporate and SME Clients (m/f/d)

Overview

This role involves credit risk assessment for US and SME and corporate clients. In addition to case processing, you will help continuously improve credit risk standards, documentation, and supporting technology.

You will work closely with the Chief Risk Officer and partners across Sales, Legal, Operations, Product, Data, and Risk.

Responsibilities

• Due diligence: Assess customers’ business models, operating context, counterparties, and review public and financial profiles.
• Underwriting: Analyze business and financial information (e.g., credit agency reports, financial statements, bank account statements), document key risks and mitigants, and reach underwriting conclusions.
• Credit decisioning: Decide on limit requests within delegated authority and help build and maintain a performing loan book.
• Innovation: Improve complex operational workflows and systems; systematize business problems and design scalable, compliant straight-through processes, including use of AI capabilities.
• Communication: Ensure smooth, fact-based information flow across stakeholders; support a culture of open dialogue and mutual respect.

Requirements

• Minimum 4 years of operational experience in credit risk assessment for US corporate or SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis; CFA or similar is a plus.
• Analytical thinking and detail orientation; ability to quickly understand new problems and systems and develop solutions.
• Experience with tools used for loan processing, credit decisioning, and BI; experience with open banking or accounting tools.
• Project management skills, including demonstrated ability to design and steer complex projects end to end.
• Determination and ability to deliver high-quality work in a team environment, including under stress.
• Fluent English with very good writing skills; other European languages are a plus.

Preferred Qualifications

• CFA or similar qualifications.
• Experience with open banking or accounting tools.
• Additional European language skills.

Compensation & Benefits

• Attractive remuneration and benefits package.
• Opportunity to explore the product via a monthly credit associated with a company card.
• Flexibility and possibility to work remotely.

Location

Berlin (remote work flexibility available).