Senior Credit Analyst

Senior Credit Analyst – German Speaking (m/f/d)

We’re looking for a Senior Credit Analyst - German Speaking (m/f/d). We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.

The Company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses. We have provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. Our mission is to empower one million businesses with the financial tools they deserve. We combine cutting‑edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

Your Mission

• To assess credit applications – you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.
• You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.
• You will support other analysts on larger and more complex decisions, which is a key part of our workflow.
• Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.

Requirements

• Experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany.
• Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application.
• Strong German language skills, ideally at native level.
• The ability to interpret & analyse financial statements.
• A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment.
• Excellent communication skills: direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross‑functional initiatives.
• An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day‑to‑day problems and suggest changes to processes to improve efficiency.

We don’t expect you to tick every box, but a good fit means you’re eager to learn and add value.

Work‑life balance is incredibly important at iwoca. We offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.

We want to make iwoca a place where everyone feels welcome and can confidently be themselves. We understand that inclusivity, and diversity that comes through greater inclusivity, isn’t an optional add‑on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.

The salary : We expect to pay from €63,000 – €85,000 for this role. We routinely benchmark salaries against market rates and run quarterly performance and salary reviews. If you have salary goals, include them in your application.

The culture : At iwoca, we prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value diversity in thought and skill, and encourage you to explore new areas of interest to help us improve our products and services.

The office

• Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks.
• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

The benefits

• A smart, motivated and international team (we represent over 35 different nationalities).
• 26 days of vacation a year plus a free day for your birthday.
• One‑month fully paid sabbatical after 4 years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• Access to the gym membership program (€25 for either Fit711 or Urban Sports Club).
• €25 contribution towards the Deutschlandticket.
• Company Pension with Canada Life.
• Great office locations, e.g., Frankfurt in the mid‑city, Berlin in Mitte.
• Paid volunteer day to support a charity of your choice.
• Corporate benefits discounts.
• Company‑wide learning and development budget, learning German budget, and access to platforms like Treehouse.
• Fully stocked fridges in our offices with snacks.

Compensation Range: €63K – €85K

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