At a Glance
- Tasks: Assess credit risk for SMEs and corporates, analyse financial data, and innovate processes.
- Company: Pliant, a dynamic fintech revolutionising B2B payment solutions.
- Benefits: Attractive salary, remote work options, monthly mobility benefits, and team lunches.
- Other info: Diverse and inclusive workplace with opportunities for professional growth.
- Why this job: Join a growing team and make a real impact in the fintech industry.
- Qualifications: 3-6 years in credit risk assessment and strong analytical skills required.
The predicted salary is between 60000 - 80000 £ 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 Manager you will be responsible for credit risk assessment of our EEA and UK SME and corporate clients. You will own a book of large credit exposures. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack. You will work closely with Alice, our Lead of Credit Risk Management for Large and Middle Markets (LMM), and colleagues from Sales, Legal, Operations, Product, Data and Risk teams.
WHAT YOU’LL DO
- Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
- Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
- Credit decision: Decide on limit requests of our customers within your delegated authority and help us build and maintain a performing loan book.
- Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you present to the credit risk committee.
- Innovation: You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us build scalable yet compliant straight-through processes, including the utilization of AI capabilities.
- Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you 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
- Minimum 3-6 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech.
- Strong knowledge of accounting principles and industry-specific financial analysis. Previous exposure to open banking data is a plus.
- Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.
- Experience with tools used for loan processing, credit decisioning, and BI.
- Project management skills and demonstrated ability to design and steer complex projects end to end.
- Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.
- Fluent English with very good writing skills. Other 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.
- Monthly mobility benefit.
- Wellhub Membership.
- 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 Manager - LMM (m/f/d) in London employer: Pliant
Pliant is an exceptional employer that fosters a culture of innovation and collaboration, making it an ideal place for a Credit Risk Manager to thrive. With a flat hierarchy and transparent communication, employees enjoy a relaxed yet professional atmosphere, alongside opportunities for personal and professional growth within a dynamic team. Located in Berlin, Pliant offers attractive remuneration, flexibility for remote work, and unique benefits such as a monthly mobility allowance and Wellhub Membership, ensuring a rewarding work-life balance.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Manager - LMM (m/f/d) in London
✨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. 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 Manager - LMM (m/f/d) in London
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.
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'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
✨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.
✨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 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 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.
