(Senior) Credit Risk Manager (m/f/d)

ABOUT US

Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack.

Pliant is growing quickly. With our expansion into 25 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 100+ Plianteers come from 25 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we're looking for more talented and committed people to join us on our journey!

ABOUT THE ROLE

As a (Senior) Credit Risk Manager (m/f/d) you will be responsible for underwriting credit risk exposures to our European and UK SME and corporate clients. In addition to case processing, you will support us in continuously improving our underwriting standards and systems.

You will work closely with Goncalo, our Head of Credit Risk Management, and colleagues from the Sales, Legal, Operations, Product and Risk teams.

This role will be based in the UK (hybrid) with some travel from time to time to our Headquarters in Berlin.

WHAT YOU'LL DO

1. Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are.
2. Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude.
3. Credit decision: Decide on limit requests of our customers within your delegated authority and help us build a performing loan book.
4. Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you regularly present to the credit risk committee.
5. Innovation: You get to the heart of complex operational workflows and IT systems, understand how to systematize, and continuously improve them together with your colleagues.
6. Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

1. 3-6 years of operational experience in risk assessment for corporate customers or SMEs from a bank or fintech.
2. Strong knowledge of accounting principles and industry-specific financial analysis. Previous exposure to open banking data is a plus.
3. Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions.
4. Experience with IT systems used for loan processing and credit decisioning.
5. Project management skills and demonstrated ability to design and steer complex projects end to end.
6. Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.
7. Fluent English with very good writing skills. Other European languages are a plus.

1. Opportunity to work on challenging projects with substantial responsibilities, enabling you to make a meaningful impact.
2. Being part of a growing, dynamic, international team with flat hierarchies that thrives on an exchange of knowledge and a drive for excellence.
3. Competitive remuneration package.
4. Flexibility and possibility to work remotely.
5. Attractive benefits package including a monthly mobility allowance, a Wellhub membership, a company card with a monthly allowance for lunches, coffee, etc., and more.