Credit Analyst (Germany)

About the role

We’re now looking for a Credit Analyst to join our growing Credit team at Northmill. As part of our international expansion, Northmill is entering the German market, and this role will be one of the first key hires in that journey.

You will play a central role in building and optimizing our credit strategy in Germany, ensuring sustainable and profitable growth from the very start. This is a unique opportunity to shape credit policies, influence portfolio performance, and contribute to establishing Northmill as a strong player in a new market.

You will report to the Head of Credit Risk for B2C.

Responsibilities

• Analyze and monitor the entire credit cycle to continuously optimize the bank’s credit policies
• Use data-driven insights to propose enhancements that improve portfolio performance and manage credit risk
• Present recommendations to the Credit Committee and follow up on the outcomes of approved changes
• Track and evaluate lending portfolios from new account origination through collections, addressing deviations from expectations
• Collaborate with Data Scientists and Data Engineers to develop credit models and ensure the bank’s data infrastructure effectively supports analytical and credit needs
• Work cross-functionally with Product and Marketing to balance growth and risk
• Represent the Credit department in wider business projects and initiatives

Who you are

You have a strong analytical mindset, excellent attention to detail, and the ability to communicate complex insights in a clear and actionable way. You’re curious, proactive, and comfortable making recommendations even when all the data isn’t perfect.

You enjoy working in a dynamic environment and are motivated by the opportunity to build something new and make a tangible impact from day one.

Qualifications

• Bachelor’s or Master’s degree in a relevant field
• At least 2 years of experience as a Credit Analyst, Data Analyst, or in a similar analytical role
• Direct experience with the German consumer credit market
• Fluency in German and English
• Proficiency in SQL or Snowflake for data querying and manipulation