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

Overview

This role focuses on credit risk assessment for US SME and corporate clients. You will own a book of business or significant credit exposures, handling case processing while also helping improve underwriting standards, documentation, and the technology stack.

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

Responsibilities

• Due diligence: Assess customers’ business models, how they operate, their operating counterparts, and review their 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 customer limit requests within delegated authority and support the growth and maintenance of a performing loan book.
• Risk ownership: Own multiple high-limit customers and groups, monitor their risk profiles over time, and present findings to the credit risk committee.
• Innovation: Tackle complex operational workflows and systems; help systematize business problems and design scalable, compliant straight-through processes, including use of AI capabilities.
• Communication: Ensure smooth, fact-based information flow across stakeholders and support a collaborative, transparent culture.

Requirements

• Experience: Minimum 6 years of operational experience in credit risk assessment for US corporate and SME customers from a bank or fintech.
• Financial analysis: Strong knowledge of accounting principles and industry-specific financial analysis.
• Risk and analysis skills: Analytical thinking, strong attention to detail, and ability to quickly understand new problems and systems to develop solutions.
• Tooling: Experience with tools used for loan processing, credit decisioning, BI, open banking, and accounting.
• Project delivery: Project management skills and demonstrated ability to design and steer complex projects end to end.
• Collaboration: Determination and ability to work effectively in a team, including under stress.
• Language: Fluent English with very good writing skills; other European languages are a plus.

Preferred Qualifications

• Education/credentials: CFA or similar qualifications are a strong plus.

Compensation & Benefits

• Attractive remuneration and benefits package.
• Opportunity for flexibility and the possibility to work remotely.
• Additional benefit: a company card with monthly credit to explore the product and enjoy food with colleagues.

Location

• Berlin (headquartered)