Credit Risk Analyst

Credit Risk Analyst

Ebury Dusseldorf Office - Hybrid: 4 days in the office, 1 day working from home per week

Ebury is a Global FinTech: we apply new technologies to enhance and automate financial services and processes. This allows small and medium‑sized businesses to trade and transact internationally by eliminating boundaries related to more traditional methods.

What you'll do:

• Support, and report to, the Regional Head of Credit Risk.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles.
• Present and defend your analysis personally at credit committee meetings to senior management.
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaise with managers across our other geographies to add insight or assist where necessary.
• Share your thoughts to improve our processes.

The Person:

• University degree in Accounting, Economics, Finance, Mathematics or similar
• Fluency in German and English
• Ability to read German management accounts (BWA, SuSa)
• Experience in understanding how businesses work and perform. Full understanding of balance sheet, P&L and cash flow
• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.
• Analytical mind and strong problem‑solving skills
• Demonstrable strong analytical ability
• Clear, concise communication style, with the ability to explain complex concepts coherently
• Willingness to work in a highly demanding and result‑oriented team environment
• Working knowledge of Excel essential, VBA/Macros desirable

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
• Dedicated Mentorship : Learn directly from experienced managers who are invested in your success.
• Cutting‑Edge Technology : Leverage state‑of‑the‑art tailor‑made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression : Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture : Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package : Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Dusseldorf Office : A fantastic location with excellent transport links.

We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.