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For Companies At a Glance
- Tasks: Manage credit risk for SMEs, analyse financial data, and improve underwriting processes.
- Company: Join Pliant, a fast-growing fintech revolutionising credit cards for businesses since 2020.
- Benefits: Enjoy remote work flexibility, attractive pay, and monthly perks like lunch allowances.
- Why this job: Be part of a diverse team, drive innovation, and make a real impact in the finance sector.
- Qualifications: 3-6 years in risk assessment, strong analytical skills, and fluent English required.
- Other info: Work in a flat hierarchy with open communication and opportunities for personal growth.
The predicted salary is between 43200 - 72000 £ per year.
ABOUT US
Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack.
Pliant is growing quickly. With our expansion into 30 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 180+ Plianteers come from 35 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we’re looking for more talented and committed people to join us on our journey!
ABOUT THE ROLE
As a (Senior) Credit Risk Manager – SME (m/f/d) you will be responsible for the underwriting credit risk exposures to our European and UK SME and corporate clients. In addition to case processing, you will support us in continuously improving our underwriting standards and systems.
You will work closely with George, our Lead Risk Strategist, and colleagues from the Sales, Legal, Operations, Product and Risk teams.
WHAT YOU WILL DO
- Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
- Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
- Credit decision: Decide on limit requests of our customers within your delegated authority and help us build a performing loan book.
- Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you regularly present to the credit risk committee.
- Innovation: You get to the heart of complex operational workflows and IT systems, understand how to systematize, and continuously improve them together with your colleagues.
- Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.
WHAT YOU WILL DO
- 3-6 years of operational experience in risk assessment for corporate customers or SMEs from a bank or fintech.
- Strong knowledge of accounting principles and industry-specific financial analysis. Previous exposure to open banking data is a plus.
- Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.
- Experience with IT systems used for loan processing and credit decisioning.
- 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 our customers, even under stress.
- Fluent English with very good writing skills. Other European languages are a plus.
WHAT WE OFFER
- The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
- Attractive remuneration
- Flat hierarchy and transparent communication in a relaxed, professional atmosphere
- Opportunity to develop your talent in a dynamic team with ambitious goals
- Flexibility and possibility to work remotely
- Monthly mobility benefit
- Wellhub Membership
- Company card with a monthly allowance for lunches, coffee, etc. with co-workers
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(Senior) Credit Risk Manager - SME (m/f/d) employer: Pliant
Contact Detail:
Pliant Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land (Senior) Credit Risk Manager - SME (m/f/d)
✨Tip Number 1
Familiarise yourself with Pliant's products and services. Understanding how their app and API-based solutions work will not only help you in interviews but also demonstrate your genuine interest in the company and its mission.
✨Tip Number 2
Network with current employees or industry professionals who have experience in credit risk management. Engaging in conversations about their experiences can provide valuable insights and potentially lead to referrals.
✨Tip Number 3
Stay updated on the latest trends in credit risk assessment and fintech innovations. Being knowledgeable about current developments will show that you are proactive and committed to continuous learning in your field.
✨Tip Number 4
Prepare to discuss specific examples of your past experiences in risk assessment during the interview. Highlighting your analytical skills and project management abilities with concrete cases will make a strong impression.
We think you need these skills to ace (Senior) Credit Risk Manager - SME (m/f/d)
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the (Senior) Credit Risk Manager position. Tailor your application to highlight relevant experience in risk assessment and financial analysis.
Highlight Relevant Experience: In your CV and cover letter, emphasise your 3-6 years of operational experience in risk assessment for corporate customers or SMEs. Provide specific examples of how you've successfully managed credit risk and contributed to underwriting processes.
Showcase Analytical Skills: Demonstrate your analytical thinking and detail orientation in your application. Include examples of how you've tackled complex problems and improved operational workflows in previous roles.
Craft a Strong Cover Letter: Write a compelling cover letter that not only outlines your qualifications but also conveys your passion for the role and the company. Mention your desire to contribute to Pliant's mission and how your skills align with their goals.
How to prepare for a job interview at Pliant
✨Understand the Company and Its Mission
Before your interview, take some time to research Pliant's mission and values. Understand how they aim to empower companies through their innovative credit solutions. This will help you align your answers with their goals and demonstrate your genuine interest in the role.
✨Showcase Your Analytical Skills
As a Credit Risk Manager, analytical thinking is crucial. Be prepared to discuss specific examples from your past experience where you successfully assessed risk or made data-driven decisions. Highlight your familiarity with financial analysis and any relevant IT systems you've used.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving abilities in real-world scenarios. Think about how you would handle various credit risk situations, such as assessing a high-limit customer or improving underwriting standards. Practising these scenarios can help you articulate your thought process clearly.
✨Emphasise Team Collaboration
Pliant values teamwork and open communication. Be ready to share examples of how you've worked effectively within a team, especially under pressure. Discuss how you facilitate information flow and contribute to a culture of mutual respect, which is essential for achieving excellent results.
