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- Tasks: Design and optimise automated credit risk strategies for SMEs using data-driven insights.
- Company: Join Pliant, a fast-growing fintech revolutionising B2B payment solutions.
- Benefits: Competitive salary, flexible remote work, and a company card for lunches and coffee.
- Why this job: Make a real impact in the fintech space while developing your skills in a dynamic team.
- Qualifications: Degree in a quantitative field and 3-5 years of experience in risk modelling or analytics.
- Other info: Diverse and inclusive workplace with opportunities for professional growth.
The predicted salary is between 36000 - 60000 ÂŁ per year.
ABOUT US
Pliant is a European fintech specializing in B2B payment solutions. Our modular, API-first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability. Companies looking to optimize operational processes through intuitive apps and APIs gain control, automation, and financial flexibility through extended credit lines. Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed eâmoney institution (EMI), we issue Visaâpowered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.
ABOUT THE ROLE
As Credit Risk Analyst â SME (d/f/m), you will be responsible for building and optimizing automated credit strategies for small and mediumâsized enterprises (SME). While a strong foundation in credit risk is essential, you'll bring handsâon coding expertise to directly work with data pipelines, API integrations, decision engines, with the option to branch into model building (PD, LGD, EAD, EL). You drive initiatives to achieve project targets, deliver efficiency improvement to the teams, and continuously support the evolution of our tech stack towards automated decision making. You foster dataâdriven decision making and align credit risk strategies with business goals. This position sits directly in the functional domain with exposure to business and responsibility for the common achievement of goals. This role will be based in London (hybrid).
WHAT YOU'LL DO
- Credit strategy: Design, develop, test and calibrate automated credit risk strategies and continuously improve them based on empirical tests. Implement monitoring processes. Design and build early warning systems.
- Loss models: At a later stage, build PD, LGD, EAD, EL models.
- Portfolio: Analyze portfolio performance, identify risk drivers and mitigation strategies based on empirical data or feature engineering.
- Efficiency: Build dashboard for insights. Measure and monitor process efficiency, identify bottlenecks and blockers in workflows and resolve them together with the team.
- Process automation: Continuously review and enhance operational processes to reduce handling times while keeping quality within agreed parameters. Build E2E data pipelines using SQL, Python and decision engines.
- Collaboration: Partner with Risk Management, Data and Engineering teams to build E2E data processes together. Manage crossâfunctional projects.
- Communication: Facilitate smooth and factâbased information flow between your colleagues. Support dataâdriven decision making within the credit risk domain. Support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.
WHAT YOU'LL BRING
- Degree in a quantitative or engineering discipline or related field.
- 3â5 years of experience in risk modelling, quantitative analytics, financial engineering or similar domain.
- Good understanding of credit risk strategies for unsecured SME exposures; familiarity with open banking data and transactionâlevel insights is a plus.
- Strong data analysis and engineering capabilities, SQL and Python is essential. Command of statistical modeling software is a plus.
- Experience in working with APIs, decision engines, as well as data aggregation and orchestration services is a strong plus.
- Experienced in agile development, and ability to own and drive crossâfunctional projects.
- Determination and desire to work in a team to achieve highâquality results for our customers, even under stress.
- Fluent in English; additional 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.
- Company card with a monthly allowance for lunches, coffee, etc. with coâworkers.
At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring processâwe welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.
Credit Risk Analyst - SME (m/f/d) in London employer: infinnity financial technologies GmbH
Contact Detail:
infinnity financial technologies GmbH Recruiting Team
StudySmarter Expert Advice đ¤Ť
We think this is how you could land Credit Risk Analyst - SME (m/f/d) in London
â¨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those working at Pliant or similar companies. A friendly chat can open doors and give you insights that might just land you an interview.
â¨Tip Number 2
Show off your skills! If youâve got coding chops in SQL and Python, consider creating a small project or dashboard that showcases your abilities. Share it on LinkedIn or during interviews to stand out from the crowd.
â¨Tip Number 3
Prepare for the interview by understanding Pliantâs products and how they fit into the B2B payment landscape. Being able to discuss their services and how you can contribute will impress the hiring team.
â¨Tip Number 4
Donât forget to apply through our website! Itâs the best way to ensure your application gets seen by the right people. Plus, it shows youâre genuinely interested in joining the Pliant team.
We think you need these skills to ace Credit Risk Analyst - SME (m/f/d) in London
Some tips for your application đŤĄ
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience in risk modelling and quantitative analytics, and donât forget to mention your coding skills in SQL and Python. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how your background aligns with our mission at Pliant. Show us your personality and enthusiasm for the role!
Showcase Your Projects: If you've worked on relevant projects, make sure to include them in your application. Whether it's building automated credit strategies or working with APIs, we love seeing practical examples of your work that demonstrate your skills.
Apply Through Our Website: We encourage you to apply directly through our website. Itâs the best way to ensure your application gets into the right hands. Plus, it shows us youâre serious about joining our team at Pliant!
How to prepare for a job interview at infinnity financial technologies GmbH
â¨Know Your Credit Risk Strategies
Make sure you brush up on your understanding of credit risk strategies, especially for SMEs. Be ready to discuss how you would design and implement automated credit strategies, as this will show your expertise aligns with what the company is looking for.
â¨Show Off Your Coding Skills
Since hands-on coding expertise is crucial for this role, be prepared to talk about your experience with SQL and Python. You might even want to bring examples of past projects where you've built data pipelines or worked with APIs to demonstrate your technical skills.
â¨Prepare for Data-Driven Discussions
Pliant values data-driven decision making, so think about how you can contribute to this culture. Prepare to discuss how you've used empirical data in previous roles to drive credit risk strategies or improve processes, and be ready to share specific outcomes.
â¨Emphasise Collaboration and Communication
This role involves working closely with various teams, so highlight your experience in cross-functional projects. Be ready to share examples of how you've facilitated communication and collaboration in the past, as this will show you're a team player who can thrive in their environment.
