Credit Analyst - German speaking

The company helps small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We’ve already cleared the way for 100,000 businesses with more than 4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.

The team is growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.

The role involves assessing credit applications using your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. You’ll have autonomy in decisioning, 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, which is a key part of our workflow. Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

Requirements:

• Demonstrates curiosity to use and learn more about AI tools.
• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany.
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application.
• The ability to interpret & analyse financial statements.
• Excellent communication skills in business English and German.
• An analytical mindset with a practical approach to problem solving.

Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home. We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great.

The salary: We expect to pay from 45,000 —60,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application.

The culture: At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.

The offices: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.

The benefits:

• Flexible working hours.
• Medical insurance from Vitality, including discounted gym membership.
• A private GP service for you, your partner, and your dependents.
• 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.
• A one-month, fully paid sabbatical after four years.
• Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.
• 3% Pension contributions on total earnings.
• An employee equity incentive scheme.
• Generous parental leave and a nursery tax benefit scheme.
• Electric car scheme and cycle to work scheme.
• Two company retreats a year.
• A learning and development budget for everyone.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.