Head of Risk (m/f/d)

Join to apply for the Head of Risk (m/f/d) role at Bees & Bears GmbH .

You don’t want an ordinary job. You want to build something that truly matters. Be part of shaping it from day one, move fast and feel your impact. In a startup that doesn’t ask if something is possible – but how fast . Then you’ve come to the right place!

At Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.

Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener.

What we do

We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments. Our platform provides the technical and financial foundation to make this happen. In doing so, we’re actively accelerating the energy transition — for households, for our partners, and for the planet.

We’ve recently secured €500 million in funding commitments to green 25,000 households over the next two years. Prior to that, we raised two funding rounds backed by several renowned VCs — and we’ve been growing rapidly ever since.

Target role: Head of Risk (m/f/d)

Your mission is to empower the company’s growth by leading a high-performing risk team, making smart and secure credit decisions, closely monitoring the credit portfolio, protecting it through strong fraud prevention and collections, and shaping agile risk processes and policies for the future.

Responsibilities

• Strategic and operational responsibility for the risk department, including credit underwriting, anti‑fraud measures, portfolio management, and risk policies & compliance.
• Develop, implement, and continuously improve risk policies, instructions, and guidelines to ensure compliance with regulatory requirements and industry best practices.
• Drive efficiency by streamlining risk processes and automating decision‑making workflows where possible.
• Build, lead, and coach a scalable risk team, fostering a high‑performance and collaborative culture.
• Introduce new risk‑based pricing models, implement AI tools and applications, develop risk scores, and innovate new forms of collateral.
• Design and implement new initiatives from scratch, taking full ownership to make things happen.
• Oversee sound credit underwriting processes for both B2B and B2C, ensuring decisions align with the company’s risk policy and authority levels.
• Implement, monitor, and enforce robust anti‑fraud measures to protect the business and customers.
• Actively monitor and manage the company’s credit portfolio, focusing on installer partner performance and overall exposure levels.
• Identify early warning signals and proactively address risks associated with credit quality and partner performance.

Qualifications

• Multiple years of professional experience in a risk management role, ideally in start‑ups, scale‑ups, or fintechs, with proven expertise in building and leading risk teams and in strategic risk department development.
• In‑depth knowledge of credit portfolio monitoring and debt collections.
• Strong understanding of credit underwriting of both B2B and B2C, fraud prevention, and risk management best practices.
• Experience leading and developing high‑performing teams in a fast‑paced environment.
• Good knowledge of Taktile would be a plus.
• Familiarity with regulatory requirements in the fintech field and ability to design policies that ensure compliance.
• Strong analytical skills with experience in credit risk models and data analysis.
• Hands‑on operational involvement, balancing strategic oversight.

What we offer

• Guaranteed impact: Every deal you close contributes directly to the energy transition and saves at least dozens of tons of CO₂ emissions.
• 27 days of paid vacation and unlimited time off for climate activism and demonstrations.
• Continuous learning: Explore the latest climate tech developments, from cutting‑edge energy storage solutions to innovative recycling methods or heat recovery from wastewater.
• No progress without mistakes: We encourage ownership, experimentation, and hands‑on insights across all startup areas.
• Fun and close‑knit: Regular events, post‑work “Bees & Beers” hangouts, and a dynamic team culture.

What matters to us

Sustainability is at the core of everything we do – not only in our product but also in our decisions, processes, and how we work together.

We explicitly encourage people from all backgrounds, experiences, and walks of life to apply.

If you’re excited to build something meaningful that creates long-term impact , we’d truly love to hear from you.

Location: Berlin, Germany. Referrals increase your chances of interviewing at Bees & Bears GmbH.

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