Senior Credit Analyst

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We’re looking for a Senior Credit Analyst - German Speaking (m/f/d)

About 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.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. 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.

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 decision‑making, 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. You will have direct telephone contact with our customers, daily interaction within credit while decision‑making 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

Benefits

• A smart, motivated and international team (we represent over 35 different nationalities) with a growth‑mindset.
• 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.
• iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield.
• 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. In Frankfurt in the middle of the city, our Berlin office is located centrally in Mitte.
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate Benefits discounts.
• ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.

Salary

We expect to pay from €63,000 - €85,000 for this role. But, we’re open‑minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function

Finance and Sales

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