Senior Credit Analyst

About 0TO9

0TO9 is a fast-growing, profitable European fintech bank built on a unique model: in parallel with our banking operations, we act as a venture builder, launching entrepreneur-driven portfolio companies with capital, licenses, and infrastructure from day one, each a different banking product or vertical. We build alongside a team of founders, colleagues, and investors who bring some of the strongest track records in banking and fintech.

About the role

As Senior Credit Analyst, you'll sit at the core of our B2B lending operations in Berlin. You'll assess the companies we finance - digging into financials, business models, and risk - and turn that analysis into clear, well-founded credit decisions. You'll work closely with the commercial team throughout the deal process, giving you end-to-end exposure from first assessment to funded loan and beyond. This is a hands‑on role in a fast-moving environment: short decision paths, real ownership, and the chance to shape how we build our credit function as we grow.

What you'll do:

• Perform credit analysis and financial assessment of corporate borrowers - financial statements, cash flows, business models, and market position

• Evaluate and structure credit proposals together with the commercial team, balancing risk with business opportunity

• Prepare credit memos and present recommendations to the credit committee

• Monitor the existing portfolio - tracking performance, covenants, and early warning signals, and flagging credit deterioration early

• Contribute to developing our credit processes, models, and policies as we scale

About you

You're analytically sharp with a genuine interest in companies and what makes them creditworthy. You form your own view, back it with numbers, and communicate it clearly - and you're comfortable taking ownership in an environment where things move fast and structures are still being built. We'd expect you to bring:

• A degree in finance, economics, or a related field.

• 5-7 years of experience in credit analysis, corporate/SME lending, or similar - from a bank, fintech, debt fund, or credit institution.

• Strong financial analysis skills and a structured, detail-oriented way of working.

• Clear written communication, your credit memos hold up in front of decision‑makers

• Fluency in English and German.

What we offer:

• Be part of building the leading fintech bank & venture builder

• A dynamic, entrepreneurial and international environment

• Beautiful office in the heart of Berlin