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- Tasks: Assess credit risk and innovate solutions for SME and corporate clients.
- Company: Pliant, a dynamic fintech revolutionising B2B payment solutions.
- Benefits: Attractive salary, remote work, monthly perks, and professional growth opportunities.
- Other info: Flat hierarchy and a culture of open communication.
- Why this job: Join a growing team and make a real impact in the fintech space.
- Qualifications: 3-6 years in credit risk assessment and strong analytical skills.
The predicted salary is between 60000 - 80000 £ per year.
This job is brought to you by Jobs/Redefined, the UK's leading over-50s age inclusive jobs board.
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. We serve two primary customer segments: Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines. Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant's embedded finance and white-label solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e-money institution (EMI), we issue Visa-powered credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments. Learn more at www.getpliant.com.
ABOUT THE ROLE
As (Senior) Credit Risk Manager you are 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.
WHAT YOU'LL 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 and maintain 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 present to the credit risk committee.
- Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us build scalable yet compliant straight-through processes, including the utilization of AI capabilities.
- 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'LL BRING
- Minimum 3-6 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.
- 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 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 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.
(Senior) Credit Risk Manager - LMM (m/f/d) employer: infinnity financial technologies GmbH
Contact Detail:
infinnity financial technologies GmbH Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land (Senior) Credit Risk Manager - LMM (m/f/d)
✨Tip Number 1
Network like a pro! Reach out to your connections in the fintech and credit risk space. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings at Pliant!
✨Tip Number 2
Prepare for those interviews by brushing up on your knowledge of credit risk assessment and the latest trends in fintech. We want to see that you’re not just a fit for the role but also passionate about what we do at Pliant. Show us your enthusiasm!
✨Tip Number 3
Don’t forget to tailor your approach! When you apply through our website, make sure your application reflects how your skills align with the specific needs of the (Senior) Credit Risk Manager role. Highlight your experience with EEA and UK corporate clients!
✨Tip Number 4
Follow up after your interview! A quick thank-you email can go a long way. It shows your appreciation and keeps you fresh in our minds as we make decisions. Plus, it’s a great chance to reiterate your excitement about joining the Pliant team!
We think you need these skills to ace (Senior) Credit Risk Manager - LMM (m/f/d)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the role of (Senior) Credit Risk Manager. Highlight your relevant experience in credit risk assessment and any specific tools or methodologies you've used. We want to see how your background aligns with what we do at Pliant!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk management and how you can contribute to our team. Be sure to mention any innovative solutions you've implemented in previous roles that could benefit us.
Showcase Your Analytical Skills: Since this role requires strong analytical thinking, make sure to include examples of how you've tackled complex problems in the past. We love seeing candidates who can break down intricate issues and come up with smart, effective solutions.
Apply Through Our Website: We encourage you to apply directly through our website for the best chance of getting noticed. It’s the easiest way for us to keep track of your application and ensures you’re considered for the role. Don’t miss out on this opportunity!
How to prepare for a job interview at infinnity financial technologies GmbH
✨Know Your Numbers
As a Credit Risk Manager, you'll need to demonstrate your understanding of financial analysis. Brush up on key metrics and ratios relevant to credit risk assessment. Be ready to discuss how you’ve used these in past roles to make informed decisions.
✨Showcase Your Analytical Skills
Prepare to share specific examples of how you've tackled complex problems in credit risk assessment. Think about times when your analytical thinking led to innovative solutions or improved processes. This will show your potential employer that you can think critically under pressure.
✨Understand the Business Model
Familiarise yourself with Pliant's business model and the industries they serve. Be prepared to discuss how you would assess the creditworthiness of their clients. Showing that you understand their operational workflows will set you apart from other candidates.
✨Communicate Effectively
Since communication is key in this role, practice articulating your thoughts clearly and concisely. Prepare to explain complex concepts in simple terms, as you’ll need to facilitate discussions between various teams. This will highlight your ability to foster collaboration.