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- Tasks: Assess credit applications using data and tech to make fast, fair decisions.
- Company: Join iwoca, a dynamic fintech helping SMEs thrive with flexible finance.
- Benefits: Enjoy 25 days holiday, medical insurance, and a supportive work culture.
- Why this job: Make a real impact on small businesses while developing your analytical skills.
- Qualifications: Strong German skills and foundational finance knowledge are essential.
- Other info: Engaging office culture with events, retreats, and continuous learning opportunities.
The predicted salary is between 36000 - 60000 £ per year.
We’re looking for a Credit Analyst - German Speaking. We’re 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 company 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.
Your Mission
To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. You’ll 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, 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
- 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
Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.
The culture
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.
The offices
We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and clubs, like bingo, comedy nights, yoga classes, football, etc.
Our benefits
We offer a wide range of benefits:
- Medical insurance from Vitality, including discounted gym membership
- 25 days’ holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave
- Instant access to emotional and mental health support with our partner, Spill
- Share options
- Generous maternity and paternity leave
- A nursery tax benefit scheme to help you save money
- Paid volunteering day to support your chosen charity
- Extra leave if you want to travel or study
- One-month fully paid sabbatical after 4 years
- Cycle-to-work scheme
- Electric car scheme
And to make sure we all keep learning, we offer:
- An L&D budget for everyone, including a book budget
- Company-wide talks with internal and external speakers
- Access to learning platforms like Treehouse if you want to learn to code
Junior Credit Analyst - German Speaking employer: Iwoca
Contact Detail:
Iwoca Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Junior Credit Analyst - German Speaking
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to credit analysis. Use your knowledge of finance and accounting principles to showcase your expertise and confidence during the conversation.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. At StudySmarter, we encourage you to check out our website for roles that excite you and fit your skills.
✨Tip Number 4
Follow up after interviews! A simple thank-you email can leave a lasting impression and show your enthusiasm for the role. It’s a great way to keep yourself on their radar.
We think you need these skills to ace Junior Credit Analyst - German Speaking
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that match the Junior Credit Analyst role. Highlight your knowledge of finance, accounting principles, and any relevant internships. 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 helping SMEs and how your analytical mindset aligns with our mission at iwoca. Keep it concise but impactful – we love a good story!
Show Off Your German Skills: Since this role requires strong German language skills, make sure to showcase them in your application. Whether it's through your CV or cover letter, let us know how fluent you are and any relevant experiences where you've used your language skills.
Apply Through Our Website: We encourage you to apply directly through our website for the best chance of getting noticed. It’s super easy, and you’ll be able to keep track of your application status. Plus, we love seeing applications come in through our own platform!
How to prepare for a job interview at Iwoca
✨Know Your Numbers
Brush up on your foundational finance and accounting principles. Be ready to discuss how you interpret financial statements and assess creditworthiness. This will show that you understand the core of what the role entails.
✨Speak German with Confidence
Since this position requires strong German language skills, practice speaking and writing in German before the interview. You might be asked to communicate in German during the interview, so being fluent will definitely give you an edge.
✨Show Your Analytical Skills
Prepare examples of how you've used your analytical mindset to solve problems in the past. Think about specific situations where you had to make quick decisions based on data, as this aligns perfectly with the fast-paced environment at iwoca.
✨Emphasise Your Team Spirit
Highlight your ability to work collaboratively with others. Since you'll be supporting other analysts and interacting with various teams, showcasing your communication skills and enthusiasm for teamwork will resonate well with the company culture.
