Head of Risk (m/f/d)

Stellenbeschreibung:

At Bees & Bears , we're a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.

Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener.

What we do:

We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments . Our platform provides the technical and financial foundation to make this happen. In doing so, we're actively accelerating the energy transition - for households, for our partners, and for the planet.

We've recently secured €500 million in funding commitments to green 25,000 households over the next two years. Prior to that, we raised two funding rounds backed by several renowned VCs — and we've been growing rapidly ever since.

Sound like the perfect job for you?

Your Impact

We are looking for a Head of Risk to lead and stabilize our risk organization during a phase of rapid growth. This role replaces our interim leadership and is critical for building a long-term, scalable risk function that enables sustainable growth. You will lead a growing team, manage a rapidly expanding credit portfolio, and build the processes, systems, and culture required for scale. This is not a maintenance role.This is a build-and-lead role . You will work directly with the founder and leadership team and have full ownership of the risk function.

Your Mission

Lead and develop the Risk team, creating clarity, structure, and strong performance standards
Own credit underwriting quality and portfolio performance across B2B and B2C
Build scalable risk processes, policies, and decision frameworks to support rapid growth
Drive automation, efficiency, and data-driven decision-making in the risk function
Balance growth and risk while ensuring losses remain within defined risk appetiteWork hands-on where needed while shaping the long-term risk strategy

Your Talent

Strong experience in credit risk and underwriting, ideally across both B2B and consumer lending
Proven leadership experience, with the ability to build and develop high-performing teams
A hands-on mindset combined with strategic thinking
The ability to operate effectively in fast-changing, imperfect environments
A strong ownership mentality and drive to make things happen
A data-driven approach to decision-making

Why This Role is Unique

Massive real-world impact in climate and energy
Direct collaboration with the founder
Opportunity to build your own risk organization
High ownership and autonomy
Rapid company growth
Large institutional funding
Ability to shape how risk works at scale

Our Offer

Growth & Culture

We move fast, we're building a lot from scratch, and we're learning something new every day. You'll be part of a team that doesn't just work, it truly builds something, with a strong sense of ownership and genuine team spirit.

Impact

Your job has a direct impact on the energy transition. Period.

And because this is important to us, we offer extra days off for climate activism.

Flexibility

We work in a hybrid, trust-based environment.

Working from home is the norm for us, two days a week are standard and flexible. We structure the rest in whatever way best supports collaboration and focus within the team.

And if it works for you and your team, you can also work from other locations, workations are possible here.

You'll receive a flexible bonus that you can use however you like, sports, culture, travel, whatever works for you.