47 job openings

Hamburg, Germany

Industry

FinTech

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



Vacancy opened 22-09-2017

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!

Your Role

The data analyst will be responsible for collecting and analyzing product, marketing, customer and financial data, and optimizing the corresponding KPIs. The right candidate will be able to support customer acquisition, conversion and retention, by taking research initiatives and performing ad hoc analyses to support the marketing and product departments in making the right decisions. This role will have broad exposure to the business and opportunity for career growth.

  • Utilize SQL to extract data from relational databases;
  • Import and analyze data, preferably in R;
  • Build forecast models for key business metrics;
  • Work closely with data scientists and build models to optimize customer acquisition, conversion and retention rates;
  • Work closely with data engineers to ensure models find their way to production;
  • Translate results into business recommendations and actions for senior management.
  • Your Strengths 

    Essential
  • University degree with strong academic performance in a quantitative field (Statistics, Mathematics, Economics, Operational Research, Industrial Engineering, Business Informatics);
  • Experience performing statistical analysis and modeling in R. Excel or other statistical software tools (e.g. Matlab, SAS, SPSS, Stata), along with strong willingness to learn R, could be considered instead;
  • Basic knowledge of SQL;
  • Strong quantitative/analytical capabilities with experience dealing with large and/or complex data sets.
  • Preferred
  • 2 or more years of experience in a data analyst or similar role;
  • Advanced knowledge of SQL;
  • Master or PhD degree in a quantitative field;
  • Understanding of online marketing and online products;
  • Enjoys working in a fast-paced, entrepreneurial environment.
  •  

    How to apply

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

    Vacancy opened 06-09-2017

    Job purpose :

     

    Join the financial revolution!

    Welcome to Kreditech, an European FinTech Company that is revolutionizing the way banking works. In our newly opened Warsaw Technology Office you will be able to work with our brilliant team and build fantastic software in a startup-like atmosphere.

    Your Role

  • Determining, negotiating and agreeing to in-house quality procedures, standards and/or specifications;
  • Ensure requirements provided by the product owner are complete, clear and testable;
  • Display a high level of critical thinking in cross-functional process analysis and problem resolutions for new and existing products with a customer perspective;
  • Develop and perform tests and implement automated tests whenever possible;
  • Improve continuous integration workflows;
  • Build a cross product vision and test suite.
  • Your Strengths

  • 5+ years of experience in Software Quality Assurance;
  • Background in IT or similar degree and willingness to learn new technologies;
  • Background working in true agile environments;
  • You are satisfied that your work is completed as soon as there is as little manual work as possible to be done and most testing flows are automated in the development life cycle;
  • Ability to read, understand and communicate technical documentation;
  • Excellent communication and interpersonal skills with proven negotiation skills;
  • Outstanding teamwork, problem solving skill and attention to detail;
  • Strong English language skills.
  • Additional Skills

  • General knowledge of e-commerce technologies;
  • Knowledge of SQL Queries;
  • Knowledge of Mobile Application Testing.
  • What do we offer?

  • Very good compensation (regular employment is preferable but we can also go with B2B);
  • Gym membership;
  • Medical Insurance;
  • Nice office in the heart of the city;
  • Fruits at work;
  • Great atmosphere.
  • How to apply

     

     

     

     

     

     


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

    Vacancy opened 05-09-2017

    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!

     

    Your role:

  • Develop a set of best practices for existing collection tools: core collection system, predictive dialer, and others;
  • Serve as Subject Matter Expert (SME) across multiple platforms, tools and processes;
  • Closely partner with core teams and professions necessary to build a state-of-the-art set of collection tools: product & engineering, infrastructure, business intelligence, data science, risk, customer service, legal / compliance;
  • Implement, document, and maintain collection strategies across;
  • Manage the setup of existing customer contact media, outbound campaigns, remedial tools;
  • Support HH Collection Management with operational tasks;
  • Support technical escalations from local Collection teams, when needed;
  • Provide feedback and expertise, to ensure most effective Collection.
  •  

    Your Strengths:

  • Background in managing software development projects for at least 4-6 years;
  • Proven experience in designing and implementing effective and efficient business processes in cross-functional, ideally cross-country context;
  • Expert in engaging with Engineering, business intelligence, IT infrastructure, product management, operations, compliance, legal;
  • Capability of working effectively in an international working environment;
  • Leadership and hands-on attitude in running these projects;
  • Understanding of debt collection and digital economy;
  • Understanding of customer and business perspective;
  • You are passionate for your job and follow the trends in digital transformation of financial services/fintech;
  • Knowledge of financial services process and technical stack is a plus;
  • Education in Business/Banking, Product, Process Management, Business Operations, Computer Science or other related fields;
  • Fluent in English.
  •  

    How to apply

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

     

     

    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 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 Software 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.
  • What we offer

  • Share knowledge and mix with some of the most talented and skilled engineers and researchers in the business from around the globe;
  • Great atmosphere, collaborative and multinational environment, where you will get the chance to become involved in the data-driven culture and manage its quality;
  • An awesome office in the heart of Hamburg with the best views from the city and plenty of things to do close to the office when you’re not at work;
  • We also have the industry standard perks such as free drinks and fruit baskets every day, fun room, great team events, etc.
  • How to apply

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

     

    Why Join Kreditech Holding SSL