Credit Analyst

Credit Analyst - German Speaking (m/f/d)

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About the Company

Imagine a world where every small business has the power to thrive. That’s the world we’re building at iwoca. Since 2012, we’ve revolutionised how these businesses access finance, turning 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? 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

• Assess credit applications using a variety of data sources and our tech platform to make fast, fair, and accurate decisions.
• Have autonomy in decisioning, with scope increasing over time as you build knowledge of our systems and processes.
• Support other analysts on larger and more complex decisions – a key part of our workflow.
• 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 and 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 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.

Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.

Salary

We expect to pay from €50,000 to €63,000 per year. We’re open‑minded, so include your salary goals with your application. We routinely benchmark salaries against market rates and run quarterly performance and salary reviews.

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.

Offices

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

Benefits

• A smart, motivated, and international team (over 35 different nationalities) with a ridiculous growth mindset.
• 26 days of vacation a year plus a free day for your birthday.
• One‑month fully paid sabbatical after four years.
• Mental health support with direct access to certified psychologists via our partner OpenUp.
• iwoca takes over a ski chalet in winter so you and your team can ski or snowboard (and work) for a week. During summer, we get 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 toward the Deutschlandticket.
• Company pension with Canada Life.
• Great office locations: Frankfurt (city centre), Berlin (Mitte).
• A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.
• Corporate benefits discounts.
• Fully stocked fridges in our offices with whatever you need to strengthen e.g. snacks (both healthy and less healthy) for the whole day.

Learning & Development

• A learning and development budget for everyone, including a book budget.
• Learning German budget.
• Company‑wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.

Compensation Range: €50K – €63K