54 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 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.

     

    Vacancy opened 19-05-2017

    Job purpose :

    Join the financial revolution!

    Kreditech is the world’s leading Fintech company for consumer lending to the underbanked and unbanked. From our headquarters in Hamburg and subsidiaries in 7 countries, our team of over 330 professionals works passionately to transform the consumer financial services industry. In our partnership with PayU/ Naspers, we are the first company globally to integrate merchant payment services with point of sale credit under one roof. Our values are teamwork, ownership, efficiency and integrity. We want to do things differently, innovating to drive growth. We have a lot of work to do – and we want you to join us!

     

    Your Role

  • You will be the Senior Global Commercial Controller for our consumer finance business across all countries;
  • In this role your top priorities will be to:
  • Provide ongoing financial reports & analysis of our consumer finance business;
  • Develop business cases for product innovations, new partnerships and new countries;
  • Propose, define and monitor implementation and monitoring of business KPIs (like unit economics and life time profitability);
  • Together with a team of experts will further automate financial reporting, to focus on high value-add analysis;
  • You will act as the Finance team’s business partner to our Commercial Team, providing advice and coaching the commercial team on improvements throughout our commercial value chain;
  • By being at the heart of all commercial activities of our company, you will build the ultimate link between the Finance function and the success of our global operations.
  •  

    Your Strengths

  • At least 3-4 years of experience in the Financial Analysis / Controlling department of a consumer lending organization;
  • University / postgraduate degree in Business, Economics,Mathematics or Statistics;
  • Extensive practical experience and good knowledge of fundamental Controlling and Finance principles;
  • Strong analytical skills and knowledge of financial modeling and valuation methods;
  • Experience, interest and aptitude in the consumer credit business;
  • Fluent in English. Any other of our company languages would be a plus (German, Spanish, Polish, Czech, Russian, Hindi);
  • Ability to work effectively, both independently/ self-directed and as a member of a team;
  • Attention to detail and timeliness in delivering on commitments;
  • Skilled in problem solving, decision making, and conflict resolution.
  •  

    How to apply

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

     

    Vacancy opened 29-05-2017

    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.

    You will join a highly skilled, dedicated and talented team of Engineers, SRE, Data Scientist, Product Managers, etc. You will work in a collaborative environment, where you will get the chance to become involved in the data-driven culture and manage its quality. You will be driving and performing best engineering practices to initiate, plan, and execute large-scale, cross functional programs.
    If you are looking for an exciting new step in your career, with a fun team that likes very much to accomplish a lot and enjoy each other's company, then you've got that here!

    Your Role

  • Build great single page applications in ReactJS;
  • Work closely with our UX team that is preparing designs and guidelines;
  • Convert Sketch prototypes to brilliant HTML and SASS;
  • Build responsive pages that serve dynamic content based on user profile;
  • Use tools that support development processes (GIT, Jira, Confluence, Jenkins, Slack etc.);
  • Write and run unit tests for the frontend layer;
  • Help to deploy frontend applications on production;
  • Integrate with other systems on the frontend layer;
  • If it is FullStack what they call you - you will also help us to build REST API using Java or GoLang.
  • Your Strengths

  • You know that building pixel perfect HTML from design is possible and it is you who can do it;
  • You know Javascript basics and modern JS frameworks (like ReactJS);
  • You know how to create responsive pages;
  • You know what Node.js is and how to create NPM packages;
  • You know how to use GIT and what continuous integration is;
  • If you know how to use design tools (Sketch, Photoshop, InVision) please let us know – you will get bonus points during the interview.
  • What do 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 of a growing and successful company, 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;
  • Macbook or other equipment as your preference;
  • We also have the industry standard perks such as free drinks and fruit basket every day, fun room, great team events, German courses, gym membership, etc.
  •  

    How to apply

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

     

    Vacancy opened 28-03-2017

    Job purpose :

    Join the financial revolution!

    Are you passionate about business development 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 looking for a Head of Business Development to lead the company’s partnership initiatives in the global banking and e-commerce space. Joining Kreditech is a fantastic opportunity to further develop your business acumen and network. As one of the top Fintech companies in Europe your interactions with the industries greatest minds is assured. Kreditech is on the cutting edge of the Fintech industry, which means you will be in the best position to shape the future of banking as well as your own future.

     

    Your Role

  • Lead and further develop Kreditech’s global Business Development endeavors around our lending products by engaging in distribution partnerships and other strategic alliances;
  • Scale the B2B2C-distribution channel and build up the Lending-as-a-Service value proposition by partnering with Payment Service Providers, major offline retailers and online e-commerce merchants, enabling them to simply plug into Kreditech’s credit engine to power their business;
  • Grow the relationship to banks and develop joint underwriting and cooperation business models;
  • Identify and exploit growth opportunities in our five markets and steer the roll-out and market launch of new regions, especially in Asia;
  • Covering the entire range of tasks including product definition, identification and sales approach of potential partners, setting up commercial models, negotiating terms and conditions, managing the relationship, etc;
  • Support the development of Kreditech's corporate strategy which encompasses the oversight of various portfolio companies, the assistance of fund raising activities as well as market, product and corporate portfolio analyses. Additionally you will be taking part in the identification of new market opportunities;
  • Conduct in-depth market research to study market conditions, formulate this research into pitches to determine potential new sales opportunities for our products and to find ways to exploit them;
  • Very close, daily collaboration with the CEO and his top-management.
  •  

    Your Strengths

  • You have completed a Bachelor, preferred Masters degree in a related field and graduated top of your class;
  • You are currently leading the Business Development in a fast-paced financial and/ or tech environment with full responsibility for projects (end-to-end), team and numbers. In this role, you have successfully led cross-border negotiations with multiple stakeholders to support business-critical projects (relevant work experience min. 6 years);
  • You have experience in building and scaling Business Development teams including setting up infrastructure, team, processes and sales controlling;
  • You are very familiar with online businesses and web technologies;
  • You have experience in the development of new products and understand the basics of technology;
  • You can draw from deep know-how and experience in the financial industry in general and payments in particular;
  • You can rely on a wide and deep network within the European -preferred global- fintech and e-commerce space;
  • You have excellent financial knowledge and outstanding skills in Excel and Powerpoint;
  • Strong analytical skills and proven experience in managing complex projects and teams;
  • You are fluent in English;
  • Strong experience in data-based industry analyses;
  • You think and execute proactively and are highly motivated;
  • You want to work in a dynamic and international environment.
  •  

    How to apply

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

    Why Join Kreditech Holding SSL