At a Glance
- Tasks: Design and optimise automated credit risk strategies for SMEs using data-driven insights.
- Company: Join Pliant, a fast-growing fintech revolutionising B2B payment solutions.
- Benefits: Competitive salary, flexible remote work, and a company card for lunches with colleagues.
- Other info: Diverse and inclusive workplace with opportunities for professional growth.
- Why this job: Make a real impact in the fintech space while developing your skills in a dynamic team.
- Qualifications: Degree in a quantitative field and experience in risk modelling or analytics.
The predicted salary is between 36000 - 60000 £ per year.
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 Visa‑powered 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.
- Company card with a monthly allowance for lunches, coffee, etc. with co‑workers.
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
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 in their work arrangements. Located in London, Pliant provides unique opportunities for collaboration across diverse teams, ensuring that every employee contributes to meaningful projects that drive innovation in B2B payment solutions.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst - SME (m/f/d)
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those working at Pliant or similar companies. Use LinkedIn to connect and engage with them; you never know who might help you land that interview!
✨Tip Number 2
Prepare for the interview by brushing up on your credit risk knowledge and coding skills. Be ready to discuss how you can optimise automated credit strategies and improve efficiency. Show us you’re not just a number cruncher but a problem solver!
✨Tip Number 3
Practice your communication skills! You’ll need to facilitate smooth information flow and collaborate with various teams. Mock interviews with friends can help you articulate your thoughts clearly and confidently.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining our team at Pliant!
We think you need these skills to ace Credit Risk Analyst - SME (m/f/d)
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience in credit risk strategies and any hands-on coding expertise you have. We want to see how your skills align with what we’re looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk analysis and how you can contribute to our team at Pliant. Keep it concise but impactful, and don’t forget to mention your familiarity with APIs and data pipelines.
Showcase Your Data Skills:Since this role involves a lot of data analysis, make sure to showcase your SQL and Python skills in your application. We love seeing examples of how you've used these tools to drive results in previous roles!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re keen on joining our team at Pliant!
How to prepare for a job interview at Pliant
✨Know Your Credit Risk Strategies
Make sure you brush up on credit risk strategies, especially for SMEs. Be ready to discuss how you would design and implement automated credit risk strategies, as this is a key part of the role.
✨Show Off Your Coding Skills
Since hands-on coding expertise is essential, be prepared to talk about your experience with SQL and Python. Maybe even bring examples of data pipelines or decision engines you've worked on to showcase your skills.
✨Understand the Business Goals
Pliant is all about aligning credit risk strategies with business objectives. Think about how you can contribute to achieving these goals and be ready to share your ideas during the interview.
✨Collaborate and Communicate
This role involves working closely with various teams. Highlight your experience in cross-functional projects and your ability to facilitate smooth communication. Share examples of how you've fostered collaboration in past roles.
