At a Glance
- Tasks: Design and optimise automated credit risk strategies for SMEs using data-driven insights.
- Company: Join Pliant, a dynamic fintech revolutionising B2B payment solutions.
- Benefits: Attractive salary, remote work options, and a supportive team culture.
- Other info: Enjoy a flat hierarchy and opportunities for professional growth.
- Why this job: Make a real impact in the fintech space while developing your skills.
- Qualifications: Degree in a quantitative field and experience in risk modelling or analytics.
The predicted salary is between 50000 - 65000 £ per year.
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 credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.
ABOUT THE ROLE
As Credit Risk Analyst - SME (d/f/m), you will be responsible for building and optimizing automated credit strategies for small and medium‑sized enterprises ('SME'). While a strong foundation in credit risk is essential, you’ll bring hands‑on coding expertise to directly work with data pipelines, API integrations, decision engines, with the option to branch into model building (PD, LGD, EAD, EL). You drive initiatives to achieve project targets. You deliver efficiency improvement to the teams. You continuously support the evolution of our tech stack towards automated decision making. You foster data‑driven decision making. You align credit risk strategies with business goals. If that is you, then join us and work closely with the Director for Credit Risk Management and the VP of Credit. This position sits directly in the functional domain with exposure to business and responsibility for the common achievement of goals. This role will be based in London (hybrid).
WHAT YOU'LL DO
- Credit strategy: Design, develop, test and calibrate automated credit risk strategies and continuously improve them based on empirical tests. Implement monitoring processes. Design and build early warning systems.
- Loss models: At a later stage, build PD, LGD, EAD, EL models.
- Portfolio: Analyze portfolio performance, identify risk drivers and mitigation strategies based on empirical data or feature engineering.
- Efficiency: Build dashboard for insights. Measure and monitor process efficiency, identify bottlenecks and blockers in workflows and resolve them together with the team.
- Process automation: Continuously review and enhance operational processes to reduce handling times while keeping quality within agreed parameters. Build E2E data pipelines using SQL, Python and decision engines.
- Collaboration: Partner with Risk Management, Data and Engineering teams to build E2E data processes together. Manage cross‑functional projects.
- Communication: Facilitate smooth and fact‑based information flow between your colleagues. Support data‑driven decision making within the credit risk domain. 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
- Degree in a quantitative or engineering discipline or related field.
- 3-5 years of experience in risk modelling, quantitative analytics, financial engineering or similar domain.
- Good understanding of credit risk strategies for unsecured SME exposures; familiarity with open banking data and transaction‑level insights is a plus.
- Strong data analysis and engineering capabilities, SQL and Python is essential.
- Command of statistical modeling software is a plus.
- Experience in working with APIs, decision engines, as well as data aggregation and orchestration services is a strong plus.
- Experienced in agile development, and ability to own and drive cross‑functional projects.
- Determination and desire to work in a team to achieve high‑quality results for our customers, even under stress.
- Fluent in English; additional 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.
- Pliant Card with monthly credit to explore the product and enjoy food with colleagues.
At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process – we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.
Credit Risk Analyst - SME (m/f/d) employer: Pliant GmbH
Pliant is an exceptional employer that fosters a dynamic and inclusive work culture, offering employees the chance to thrive in a growing fintech environment. With a focus on professional development, flat hierarchies, and transparent communication, team members are empowered to take on significant responsibilities while enjoying flexibility, competitive remuneration, and unique perks like the Pliant Card. Located in London, this role provides a collaborative atmosphere where innovation and data-driven decision-making are at the forefront, making it an ideal place for those seeking meaningful and rewarding employment.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst - SME (m/f/d)
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Pliant GmbH. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Analyst - SME (m/f/d)
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Pliant GmbH.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Pliant GmbH's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Pliant GmbH
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Pliant GmbH.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Pliant GmbH will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Pliant GmbH employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
