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27 job openings

Hamburg, Germany

Industry

FinTech

Foundation Date

2012

Kreditech

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. Read more

Why Join Kreditech

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. Read more

Meet the Team

Company growth

Job Opportunities



Vacancy opened 15-02-2019

Job purpose :

 

A day in this job

  • Implement global HR practices, processes and policies in Poland
  • Drive and manage HR action plans to improve interpersonal communication and people management skills in Poland
  • Implement the OKR (objectives and Key Results) and performance management system that includes performance development plans and employee development programs
  • Act as employee advocate and trusted advisor to management
  • Coordinate the payroll processes in Poland
  • Deliver end to end recruitment for all vacancies in Poland
  • Manage HR administration including payroll, time management, working contracts, bonus schemes
  • Prepare the Monthly HR Reports for the global HR department and payroll reports for the Controlling department
  • Perform the monthly HR and staff cost reporting  and manage the monthly closure validation and variances analysis (actual-forecast vs budget)
  • Maintain and monitor 100% accuracy of HR systems data
  • Prepare timely and accurate monthly staff cost reports, providing structured feedback on main topics and trends
  • Desired skills & experience

  • Excellent academic graduate with majors in economics or related subjects
  • 3+ years of relevant and preferably international work experience
  • Ability to achieve acceptance and to communicate professionally with stakeholders in different areas and hierarchies
  • A strong team player with the passion to achieve joint targets
  • Excellent interpersonal and intercultural skills
  • Exhibiting initiative and a strong determination to achieve
  • A results-oriented and hands-on approach to completing assigned tasks
  • Strong MS Office skills
  • Excellent language skills in Polish and English


  • What is in it for you?

  • Work closely with an international HR Team on a daily basis;
  • You will work in an awesome office in the heart of Warsaw and plenty of things to do nearby.

  • At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data driven company who are enthusiastic about agile methodology. Diversity is our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply here!

    Vacancy opened 06-02-2019

    Job purpose :

    The scope of the role is to strengthen our data engineering team in order to develop and maintain its infrastructure and technology stack, while focusing on the business requirements defined by the different stakeholders.

     

    A day in this job

  • Work together with a very creative and experienced team on our constantly evolving Enterprise Data Warehouse;
  • Maintain and expand our ETL processes, which are responsible for many outputs and transformations;
  • Coordinate and implement metrics and reports in collaboration with the relevant departments;
  • Design and implement tests for validation of content, accuracy and system performance;
  • Act as a reliable contact for key stakeholders.
  •  

    Desired skills & experience

  • 3+ years of relevant experience in financial accounting;
  • 2+ years of relevant 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 modeling in particular in terms of data warehousing and analytical systems;
  • Experience developing ETL processes, using special tools (like Pentaho, Talend ...);
  • Bachelor or Master degree in computer science or engineering is a plus;
  • Knowledge in the fields of financial services is plus;
  • Fluent in English. Any other language would be a plus.
  • Some technologies and Databases 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.

     

    What is in it for you?

  • You will be joining a dynamic and diverse, multi-functional and multidisciplinary team of 15 data engineers and analysts, in one of the fastest growing Fintech organizations;
  • 28 days of paid leave, so long as you promise to come back!;
  • You will work in an awesome office in the heart of Hamburg with the best views of the city and plenty of things to do nearby.
  • At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data-driven company who are enthusiastic about agile methodology. Diversity is in our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply here!

    Vacancy opened 04-02-2019

    Job purpose :

    This is a key role in the organization with regular visibility to senior management and the opportunity to materially impact the business output. As such, there is a wide area of responsibilities that can be grouped in one of the following sub-roles:

     

    A day in this job:

  • Data Governance Subject Matter Expert
  • Define the agenda and organize the data governance committee meetings;
  • Roll out an enterprise wide data governance framework, with a focus on improvement of data quality through modifications to organization behavior, policies and standards, principles, governance metrics, processes to maximize the value of data assets, related tools and data architecture;
  • Project Manager
  • Author and maintain a data dictionary and a business glossary;
  • Define, propose, plan and manage cross-functional projects related to data privacy, security and compliance;
  • Manage the development and deployment of a semi or fully automated data inventory;
  • Provide requirements and guidelines to development teams for important data processing components like the identification and the anonymization components;
  • Develop a thorough understanding of data acquisition, storing and processing systems and organize that information into a data-flow diagram;
  • Make recommendations for third-party solution purchases by identifying both the budgetary and technological impact;
  • Data Quality Advocate
  • Engage with business stakeholders to quantify and articulate the business impact of data quality issues;
  • Develop data quality standards and implement monitoring processes to ensure that data meets optimum data quality standards in terms of accuracy, validity, reliability, timeliness, relevance and completeness;
  • Develop remediation plans in partnership with data management colleagues, monitor and track data quality issues, identify and close gaps in collaboration with business and IT groups.
  • Desired skills & experience:

  • Bachelor’s degree in business informatics or related fields. Alternatively, a combination of bachelor’s degree in Engineering or IT and master’s degree in business;
  • 3+ years of experience as a project manager, a product owner or a technology/data consultant;
  • Strong written and verbal communication skills required, with ability to interact with all levels of the organization. Must be able to act as a liaison between technical and business teams;
  • Ability to drive strategic improvements across the organization. Strong project management skills;
  • Familiarity with the trends and opportunities in the data governance, big data and advanced analytics space.
  •  

    What is in it for you?

  • You will be joining a dynamic and diverse, multifunctional and multidisciplinary area of 30 data experts, consisting of data scientists, data analysts, data architects, data engineers, data sourcing managers and data strategy experts.
  • You will be recognized as an expert throughout the organization. You will develop a certain type of expertise that will allow you to manage data both as an asset and as a liability, considering different angles and perspectives and addressing trade-offs in an optimal way.
  • You will be a key person in one of the fastest growing Fintech organizations; in essence, you will contribute to the disruption of the industry.
  • You will enjoy 28 days of paid leave, so long as you promise to come back!
  • You will work in an awesome office in the heart of Hamburg with the best views of the city and plenty of things to do nearby.
  •  

    At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data-driven company who are enthusiastic about agile methodology. Diversity is in our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply here!

     

    Vacancy opened 31-01-2019

    Job purpose :
    A day in this job
  • Fully own the AML function in Kreditech Russia:
  • take responsibility of special AML officer,
  • regularly update AML documentation,
  • regular notifications to RosFinMonitoring,
  • periodically AML function reporting,
  • automation of AML function together with IT Holding team,
  • maintain a risk inventory per AML and legal issues and keep track of all potential changes in regulation that affect financial technology/ consumer credit providers.
  • Manage the legal function in Kreditech Russia including management of outsourcing legal company:
  • Provide legal advice to various stakeholders within the organization with a particular emphasis on Consumer Credit Law, AML and Data-protection.
  • Act as a compliance officer by owning the compliance checklist and compliance assurance routines for the Russian market, with a particular emphasis on AML, Data Protection and Consumer Credit Law. This entails implementing the Group’s Compliance program (and ensuring adherence to the Group’s Compliance policy) in the Russian credit operation.
  • Ensure adequate resolution for all disputes concerning Kreditech’s operation in Russia.
  • Ensure adequate response to any and all regulatory inquiries concerning Kreditech’s operation in the Russian market.
  • Review commercial agreements and advice in the negotiation of same.
  • Carry out legal research and document findings in the internal knowledge wiki.
  • Carry out company secretarial work as needed from time-to-time.
  • Perform by-weekly Risk Inventory Process.
  • Storage, monitoring and performing changes in internal documents (company charters, shareholders’ agreements and etc.) and internal regulations together with HO legal team .
  • Coordinate interactions between local entity units and employees on legal and compliance issues.
  • Desired skills and experience
  • Admission to practice Law in the Russian jurisdiction.
  • You have completed a law degree at a reputed Russian Law School, a LLM is highly desirable.
  • 2+ years experience in a lega role in a bank or microfinancing company, previous experience in consumer credit is highly desirable.
  • 2+ years experience in a compliance role as AML officer Experience in enterprise risk management, internal audits, corporate governance and compliance.
  • Good grasp of Consumer Credit Law, AML, Data Protection Law and demonstrable expertise in at least one of these three disciplines.
  • Ability to translate complex legal materials/regulatory guidelines into actionable legal advice for non-lawyers.
  • Professional fluency and very strong communication skills in English and Russian.
  • Strong literacy and familiarity with technology, ideally with a demonstrable affinity for IT Law.
  • Experience working in a matrix setting and a strong inclination for collaboration and deliberation.
  • Interest and good understanding of the Fintech space and the credit business.
  • High integrity and ability to prioritize.
  • What is in it for you?
  • You will join a highly international team;
  • Together with a great team you will work on exciting topics;
  • You will work in an awesome office in the heart of Moscow.
  • At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data driven company who are enthusiastic about agile methodology. Diversity is in our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply below!

     

    Vacancy opened 31-01-2019
    Location: Moscow

    Job purpose :

    The Collection Team is accountable for the amicable process of recovering late payments from our clients. As a Head of Collection you will be responsible for managing a team of 15 people dealing with early and late debt collection, fraud prevention and service center activities. You will cooperate with Head of Collection from other countries, with debt collection companies providing external service and lawyers at the judicial stage. You will have the chance to use your experience in optimizing the recovery processes of our company, while maintaining the highest standards of customer service in the fintech environment.

    A day in this job

  • Drive the collection strategy and execution in Russia and lead 15+ collection agents;
  • Design efficient and effective workflows to maximize recovery rates;
  • Negotiate sales of non-performing portfolios with external partners;
  • Design and maintain highly professional and efficient customer collection processes;
  • Carry out data analysis to facilitate continuous improvement;
  • Partner with Legal & Compliance Officer in Russia to ensure compliance on collection activities;
  • Influence IT development of internal collection software and tools.
  • Desired skills & experience

  • 4+ years of experience in consumer collection;
  • 2+ years of experience in a leadership position in consumer collection, either a specialized agency or in-house ;
  • Experience in assessing and recovering RU consumer portfolios;
  • Experience in training collection call center agents;
  • Comfortable getting work done in remote communication with our HQ in Hamburg;
  • Independent and autonomous decision-maker;
  • Strong leadership and people skills;
  • Highly analytical mindset;
  • Fluent in Russian and English.
  •  

    What is in it for you?

  • You will take over the Collection’s team in Russia during a period of dynamic system and operational changes. Our team consists of experienced employees, as well as early career debt collection agents. You'll work closely with the Customer Service Center team, the Operations team and the Russian  Country Manager;
  • You will learn about built-in-house state-of-the-art methods and technologies and you will significantly improve your skills as Leader;
  • You have the opportunity to be part of a well-coordinated and passionate team, work in a dynamically developing company, use your experience and learn a lot from peers including Head of Collections from other countries in our company.
  •  

    At Kreditech, we like to constantly challenge the status quo and improve our ways of working. We are a data driven company who are enthusiastic about agile methodology. Diversity is in our DNA and we strongly believe that having different perspectives, experiences and backgrounds will lead to the best environment for our employees and better products to our customers. If this sounds like the kind of company you’d like to work with, please apply here!

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