Junior Credit Analyst - German Speaking

We are looking for a German‐speaking Credit Analyst. Our credit team is expanding and we are looking for experienced analysts to assess our customers in a fast, fair and accurate way.

Imagine a world where every small business has the power to thrive. That is the world we are building at iwoca. Small businesses aren’t just statistics – they are the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we have revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that is fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we have provided billions in funding to over 150,000 businesses across Europe, making us one of the continent’s leading fintech innovators. But we are just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting‐edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it is managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

As we deepen our relationship with customers, insurance feels like a natural next step: it is a critical piece of the financial puzzle for small businesses, and one that is often underserved. We are bringing the same customer obsession, data‐driven approach, and innovative mindset to the world of SME insurance - starting from first principles to build something that really works for modern businesses.

To assess credit applications – you will use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. You will have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes. You will support other analysts on larger and more complex decisions, a key part of our workflow. Our credit decisioning is data driven. You will work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

We look for people who are smart, humble, motivated and who are always looking to improve.

• Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application
• Strong German language skills, ideally at native level
• The ability to interpret & analyse financial statements
• A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment
• Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives
• An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day‐to‐day problems and suggest changes to processes to improve efficiency

We do not take this list as prescriptive: it is just to give you a sense of who might do well at the job. We would still love to hear from you if you do not hit every point on the list, or if you have other experience.

At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

• A smart, motivated and international team (we represent over 35 different nationalities) with a ridiculous growth‐mindset.
• 26 days of vacation a year plus a free day for your birthday.
• One-month fully paid sabbatical after 4 years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We have been to France, Italy, Spain, and further afield.
• Access to the gym membership program, €25 for either Fit711 or Urban Sports Club.
• €25 contribution towards the Deutschlandticket.
• Company Pension with Canada Life.
• Great office locations. In Frankfurt in the middle of the city, our Berlin office is located centrally in Mitte.
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate Benefits discounts.
• 'iwocans' also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.

• A learning and development budget for everyone, including a book budget.
• Learning German budget.
• Company‐wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.

See iwoca benefits & policies for detail and some additional benefits.