(Junior) Credit Risk Manager (m/f/d) - Berlin

As a Credit Risk Manager (m/f/d), you take ownership of core parts of our underwriting and portfolio processes (B2B and B2C). You are responsible for making and improving credit decisions, actively shaping how we scale our risk operations, including automation and monitoring. You work closely with the Risk team and collaborate with Partner Management, Product, and Data. You operate independently in day-to-day underwriting and play a key role in improving our risk framework as volumes grow rapidly.

Responsibilities

• Own and perform credit underwriting for both B2C customers and B2B installer/partner financing
• Take full responsibility for underwriting decisions within assigned mandates
• Automate and monitor operational processes
• Contribute to and improve underwriting policies, rules, and decision frameworks
• Support fraud detection and risk prevention processes
• Actively improve underwriting efficiency and decision quality
• Collaborate with Product and Data teams to improve risk tooling and automation
• Support the development of junior team members in day-to-day operations

Qualifications

• Up to 3 years of experience in Credit Risk, Underwriting, or Lending Operations
• Strong experience in both B2B underwriting (B2C is a plus)
• Proven ability to make independent credit decisions and manage responsibility
• Strong analytical and structured decision-making skills
• Strong Excel skills (Python and/or SQL are a plus)
• Experience working with credit policies and risk rules
• Comfortable working in fast-paced, high-growth environments
• English (minimum C1 level), fluent German is a plus

Benefits

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.

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.

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.

Long days happen. When the office is running, so is the food: just order something to the office via Wolt.

We take our mission seriously, but we don’t take ourselves too seriously.

Offsites, team nights, and our “Bees & Beers” are just as much a part of the job as the work itself.

At Bees & Bears, we place a high value on equal opportunity and are committed to fostering a diverse and inclusive work environment. We strive to create a friendly, safe, and welcoming environment for all our employees, regardless of ethnic origin, gender, gender identity and expression, sexual orientation, disability and abilities of any kind, physical appearance, social background, marital status, age, or religion (or lack thereof).