42 job openings

Hamburg, Germany

Industry

Consumer Finance & Alternative Financial Services

Foundation Date

2012

Kreditech Holding SSL

Hamburg, Germany

Story

Combining non-traditional data sources and machine learning, the Company provides better access to credit and a higher convenience for digital banking services. The product offerings include consumer loans, a digital wallet and a personal finance manager designed to help customers manage their credit score and plan their spending. Kreditech also offers a “Lending-as-a-service” model, allowing partners to integrate its credit products as payment method or funding source. Founded in 2012 and headquartered in Hamburg, Germany, Kreditech has processed four million loan applications through its subsidiaries. The Company is led by CEO and Co-Founder Alexander Graubner-Müller and is financially backed by world-class investors including J.C. Flowers, Rakuten, Peter Thiel, and the World Bank’s IFC. 

Our Technology

Kreditech has developed a globally unique technology for scoring thin-file customers. Our USPs are the enablers for becoming the “Digital Bank for the Underbanked”. Our unique technology aims to provide a friendly and fast service for the consumer. For this, we have developed a proprietary credit scoring technology which uses artificial intelligence and machine learning to process up to 20,000 data points per application. It allows us to score a customer within less than one minute and determine credit risk with higher precision than traditional credit-bureau based systems, especially for thin-file customers. The technology hence enables us to serve credit to customers across all channels and segments. It includes the underbanked, those who are rejected or badly served by traditional banks.

Our Mission

Our Mission: Banking the Underbanked

Kreditech's mission is to provide access to credit for people with little or no credit history: The underbanked. Mainstream financial institutions have neglected this group of customers for years due to their lack of solid credit rating. Excluded from mainstream access to credit – those customers are left either with no or only with poor credit options such as Pawn or Payday Lending. By the use of its proprietary credit decision technology, Kreditech is driven to bridge this gap and to provide access to credit at fair and sustainable conditions to the non-prime market segment.


Our values

ONE TEAM

--> With our aim to business success we foster an active collaboration, open communication and joint responsibility.

INTEGRITY

--> We respect all team members equally and act ethical regarding company resources.

OWNERSHIP

--> We take the lead for projects and tasks with full responsibility of the outcome.

EFFICIENCY

--> We work smart, innovative, and effectively - being conscious about costs and aiming at scalable processes.

INNOVATION

--> We constantly challenge the status quo and apply uncompromisingly innovative thinking to all aspect of our work.

Meet the Team

Job Opportunities



Data Scientist (m/f)

Vacancy opened 17-05-2017
Location: Hamburg

Job purpose :

Join the financial revolution!

Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us! 

Your Role

As a key part of our fun and passionate team, you will be responsible for performing advanced business analysis and forecasting on a wide range of problems, from debt collection performance to customer experience optimization.  

This is the optimal opportunity for you to: 

  • Get involved in a great domain of applications for data mining techniques;  
  • Work with state-of-the art stack of data processing technologies;  
  • Experience a range of different problems and technologies from day 1;  
  • Get responsibility right from the first day and the unique chance to spearhead the way big data is used in one of the fastest growing financial sectors.  


  • Your Strengths 
    Essential:  

  • Bachelors or Masters with strong academic performance in a quantitative field (Computer Science, Statistics, Mathematics, Electrical Engineering, Business Informatics);  
  • Expertise in Machine Learning;  
  • 1 or more years of work experience in a similar role;  
  • Ability to process data and build predictive models in R (R Studio);  
  • Experience in analyzing complex data and presenting your conclusions in a clear and concise manner to a wide range of audiences;  
  • You are familiar with SQL and NoSQL database technologies, and are capable of at least querying them for any data required;  
  • You speak English fluently-any other language or German are not required but an additional plus.  

  • Preferred: 
  • PhD degree in a quantitative field;  
  • 2 or more years of experience as a data scientist;  
  • Absolutely fluent in R, you could call yourself an R-hacker;  
  • Familiarity with Python.
  • Vacancy opened 21-07-2017

    Job purpose :

    Join the financial revolution!

    Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us!

    Kreditech is hiring for a BI Engineer to join its growing Business Intelligence team. You'll work directly with our Data Warehouse Architect and develop and maintain best practices for developing Kreditech's BI Platforms.

    Your Role

  • Further development of our DWH Platform;
  • Maintaining and expanding the ETL processes;
  • Coordination and implementation of metrics and reports in collaboration with the relevant departments;
  • Design and implementation of tests for validation of content, accuracy and system performance;
  • Act as a reliable contact for key users.
  • Your Strengths

  • 2+ years of relevant professional experience in development and operation of data warehousing systems;
  • Strong knowledge of SQL;
  • Good knowledge of one of scripting languages Lua/Python/R or ability and desire to learn it fast;
  • Strong knowledge of Data modelling in particular in terms of data warehousing and analytical systems;
  • Experience developing ETL processes, using special tools (like Pentaho, Talend ...);
  • Understanding Linux  is plus;
  • Bachelor or Master degree in computer science or engineering is a plus;
  • Knowledge in the fields of financial services is plus.
  • Some technologies we use in BI department:

    Exasol, Postgres, MongoDB, Pentaho Kettle, Tableau, QlikView, Python, Lua R, Jenkins, git, variety of partners APIs to get data from.

     

    How to apply
    We accept applications exclusively through our recruiting platform, found under the Apply Now link. 

    Vacancy opened 11-07-2017

    Job purpose :

    Join the financial revolution!

    Kreditech Russia is a fast growing consumer finance business in Russia, headquartered in Moscow. The company is part of Kreditech Group, one of the largest FinTech companies in the world. Kreditech Group is owned and financed by prestigious international shareholders, including IFC / World Bank.

    Your Role

  • Be responsible for SEO, PR and Social Media and contribute to meet and exceed our loan issuing targets;
  • Execute the SEO strategy for multiple brands and manage creation of content for Russia's products;
  • Be involved in the full spectrum of organic search with a focus on technical SEO and Information architecture;
  • Work with a variety of sophisticated internal and external SEO tools to analyze opportunities, quantify performance and monitor competitors;
  • Manage PR strategy in house and together with an external PR agency;
  • Develop and manage social media campaigns and display campaigns;
  • Generate and present statistics, results and reports;
  • Share best practices and learn from central holding functions and peers across countries;
  • Create reports and present concrete action plans directly to the Head of Sales and Marketing for Russia;
  • Manage and monitor online reputation for all your country products;
  • Develop a content marketing strategy.
  • Your Profile

  • Hold a Bachelor's degree (pref. in Marketing) with top grades from a recognized school;
  • 2 - 4 years of professional experience in online marketing and SEO;
  • Technically competent and familiar with major SEO tools and technologies such as tracking and landing page optimization;
  • Deep knowledge in how to structure and optimize social media and PR. Preferably direct experience in working with all the channels;
  • Drive to execute and deliver against ambitious goals in a fast-paced environment and are comfortable with multitasking;
  • Experience using hard data and metrics to measure performance, determine improvements and innovation;
  • Excellent analytical and organizational skills;
  • Excellent teamwork, used to work under a tight schedule and you can do it without losing your sense of humor;
  • Fluency in English and native Russian speaker;
  • Preferably past experience and knowledge in consumer finance.
  • How to apply

    We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link. 

    Vacancy opened 02-05-2017
    Location: Hamburg

    Job purpose :

    Join the financial revolution!

    Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us!

    Your Role

  • Lead and develop enterprise risk management for the consumer finance business on a group-wide level;
  • Lead the development and implementation of the company’s enterprise risk strategy and risk management framework;
  • Establish processes for risk identification, risk analysis, risk evaluation and risk treatment;
  • Institutionalize a risk management process for all core risk classes of the company (strategic risk, market risk, liquidity risk, credit risk, operational risk, regulatory risk) involving risk appetite setting, risk capacity estimation and risk inventorization;
  • Define KPIs and measurements for all risk classes and present in regular risk reportings to the group’s executives, to the board and to regulators;
  • Perform regular stress-testing;
  • Define risk limits and oversights for functions of the first line of defense;
  • Institutionalize the second line of defense as defined in the group governance framework in close collaboration with other second line of defense functions (Security, Legal & Compliance);
  • Chair the Group Risk & Compliance Committee and work closely with the Board Risk & Compliance Committee with a direct reporting line to the CEO;
  • Cultivate a risk culture across all areas of the company and embed risk management in the company’s DNA, while understanding that introduction of risk management to a young company is an evolutionary process;
  • You are expected to represent and contribute to our Company’s Values of Data-driven Ownership, Efficiency, Innovation and foremost: One Team.
  • Your Strengths

  • 10+ years of work experience in enterprise risk management at a bank / consumer finance business; at least 5 years in a leadership role;
  • University degree in Business/ Finance/ Economics, Controlling, Statistics / Mathematics / Financial Engineering or Engineering;
  • Proven track-record of establishing enterprise risk management processes in financial institutions in line with the Basel II / Basel III;
  • Strong operational experience in management of a broad risk spectrum: market risk / liquidity risk (esp. liquidity forecasting, VAR-analysis, IRRBB), credit risk (esp. pd / lgd modeling, portfolio credit risk, fraud), operational risk (esp. conduct, reputational, IT / security) and regulatory risk (compliance risk);
  • Strong experience with stress-testing (eg. portfolio sensitivity analysis) and solvency-testing (eg. as part of ICAAP or ILAAP);
  • Experience in working across multiple jurisdictions and regulatory environments, experience with BaFin or FCA a strong plus;
  • Knowledge of ISO 31000 a strong plus;
  • High degree of conscientiousness and precision, high affinity for structure and process;
  • Strong mathematical grounding with advanced statistical know-how;
  • Good understanding of risk management tools and analytics and strong command of Microsoft Excel; project management experience for IT / BI implementation of Treasury projects; knowledge of SQL would be a strong plus;
  • Excellent communication, negotiation & presentation skills;
  • Fluent English and ideally German language skills;
  • Desire to work with an international team of professionals who are passionate about their work and projects.
  • How to apply

    We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link.

    Vacancy opened 17-05-2017
    Location: Hamburg

    Job purpose :

    Join the financial revolution!

    Are you passionate about finance and want to make a real change? Join Kreditech and our team of over 300 professionals and become part of a transforming industry. From engineering, to design, to analytics, and collections, we do things differently and we reward great ideas, team work and persistence. We have a lot of work to do – and we want you to join us!

    Your Role

    As our Senior IT Architect, you will join Kreditech’s Architecture & Technology Team responsible  for our overall IT Architecture and relevant processes. You will be working with other members of Architecture Team and our Senior Vice President Technology, taking over responsibility of refining the overall existing IT architecture as well as defining the strategic way forward. You see the bigger picture and dependencies between products and systems, business and IT architecture, as well as business strategy and its relevance to architecture decisions.

    You will work on:

  • Outline the best performance approach for our developers and our systems architecture;
  • Evaluate, refine and optimize Kreditech’s overall IT Architecture taking into account current and future strategic business direction;
  • You will design and develop tools & components that will shape the architecture of Kreditech’s systems;
  • Refine and improve definition of standard technology stack, processes and frameworks;
  • Investigate, decide on, document and communicate overall IT architecture decisions;
  • Work directly with the Engineering, Infrastructure and other Technology departments, designing solutions that continuously and sustainably improve the efficiency across the organization.
  • Your Strengths

  • Master, Diploma or PhD in Computer Science, Business Informatics, Information Management or a related field;
  • 7+ years practical experience working as IT Architect, Software Engineer or in a related role;
  • Clear and precise communication skills both on management as well as engineering level;
  • Abilities to explain architectural decisions, technology choices and their motivation;
  • Strong practical experience in designing and building web applications and other distributed, loosely coupled systems;
  • Knowledge in best practices and patterns within software engineering, as well as tools and frameworks and when to use them;
  • A hands-on attitude as well as broad technical skillset allowing for prototype implementation of new tools, technologies and/or processes is seen as a must;
  • Working experience within the Financial Services Industry, FinTech organizations and/or in a fast-growing startup environment is preferred;
  • Proficiency in one or more programming languages, preferably including Scala, Java or Go;
  • Experience of system design in cloud infrastructure like AWS, Azure or Google Cloud;
  • DevOps know-how and hand-on experience with Continuous Integration tools like Jenkins or TeamCity;
  • Experience dealing with messaging middleware and REST API design;
  • Practical Project Management Experience or hands-on experience working in Agile development (e.g. Scrum) is a plus;
  • Experience in vendor selection and management is an additional plus.
  •  

    How to apply

    We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link.

     

    Why Join Kreditech Holding SSL