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- Tasks: Assess credit applications using data and tech for fast, fair decisions.
- Company: iwoca empowers small businesses with innovative financial solutions across Europe.
- Benefits: Enjoy 26 vacation days, a paid sabbatical, and mental health support.
- Why this job: Join a dynamic team making a real impact on small businesses' success.
- Qualifications: 2+ years in credit analysis, strong German skills, and a motivated attitude required.
- Other info: No visa sponsorship available; must be eligible to work independently.
The predicted salary is between 34000 - 42000 £ per year.
Junior Credit Analyst – German Speaking at iwoca
The CompanyImagine a world where every small business has the power to thrive. That\’s the world we\’re building at iwoca. Small businesses aren\’t just statistics – they\’re the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we\’ve revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that\’s fast, flexible, and actually works for modern businesses.
Our impact speaks for itself: we\’ve provided billions in funding to over 150,000 businesses across Europe, making us one of the continent\’s leading fintech innovators. But we\’re 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\’s 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\’s a critical piece of the financial puzzle for small businesses, and one that\’s often underserved. We\’re 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.
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.
RequirementsWe 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.
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 CultureAt 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
Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
Events and clubs, like bingo, comedy nights, yoga classes, football, etc.
The Benefits
A smart, motivated and international team (we represent over 35 different nationalities) with 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\’ve 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.
Learning & Development
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.
Useful Links
See iwoca benefits & policies for detail and some additional benefits.
Compensation Range: £32K – £45K
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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
Familiarise yourself with iwoca's mission and values. Understanding their commitment to empowering small businesses will help you align your answers during interviews and demonstrate your enthusiasm for the role.
✨Tip Number 2
Brush up on your knowledge of credit analysis and commercial loan underwriting, especially within the SME sector in Germany. Being able to discuss specific examples from your experience will show that you're well-prepared and knowledgeable.
✨Tip Number 3
Practice your German language skills, particularly in a business context. Since strong German language skills are essential for this role, being able to communicate fluently will set you apart from other candidates.
✨Tip Number 4
Network with current or former iwoca employees on platforms like LinkedIn. Gaining insights into the company culture and the specifics of the Junior Credit Analyst role can give you an edge in your application process.
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 highlights relevant experience in commercial loan underwriting, credit sanctioning, or credit analysis. Emphasise your strong business acumen and understanding of risk and revenue drivers.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for iwoca's mission to empower small businesses. Mention your German language skills and how they will benefit the role, as well as your analytical mindset and problem-solving abilities.
Showcase Relevant Experience: Provide specific examples from your past work that demonstrate your ability to assess credit applications and make data-driven decisions. Highlight any experience working in fast-paced environments and your communication skills.
Proofread Your Application: Before submitting, carefully proofread your application for any spelling or grammatical errors. A polished application reflects your attention to detail and professionalism, which are crucial for a Junior Credit Analyst.
How to prepare for a job interview at Iwoca
✨Showcase Your Analytical Skills
As a Junior Credit Analyst, your ability to interpret and analyse financial statements is crucial. Be prepared to discuss specific examples from your past experience where you successfully assessed credit applications or made data-driven decisions.
✨Demonstrate Your Language Proficiency
Since this role requires strong German language skills, ensure you can communicate effectively in German during the interview. Practice discussing your previous work experiences and relevant industry terms in German to showcase your fluency.
✨Highlight Your Adaptability
iwoca operates in a fast-paced environment, so it's important to demonstrate your ability to adapt to changing situations. Share examples of how you've successfully navigated challenges or changes in your previous roles, emphasising your problem-solving skills.
✨Express Your Passion for Small Businesses
iwoca is dedicated to empowering small businesses, so convey your enthusiasm for helping them thrive. Discuss any relevant experiences or insights you have about the SME sector and how you can contribute to iwoca's mission.