35 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 18-06-2018

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, teamwork and persistence. We have a lot of work to do – and we want you to join us!

Your role

  • Manage Kreditech´s Policy Framework and Risk Architecture;
  • Lead and improve the Risk Triage Team;
  • Perform annual Risk Inventory Process;
  • Prepare the Risk Compliance Committees;
  • Develop Market and Liquidity Risk Management Tools;
  • Develop and monitor Key Risk Indicators for Liquidity Risks and non-financial Risks;
  • Own the Liquidity Risk Policy;
  • Review and validate Liquidity Risk models;
  • Prepare proposals for risk limits;
  • Partner with risk owners and business functions to understand drivers of key risk areas;
  • Improve Kreditech´s Internal Control System;
  • Perform internal audits and ensuring proper mitigation of risks;
  • Act as the first point of contact for all employees worldwide regarding risk management;
  • Facilitate Workshops on group level for employees and board members to enhance risk awareness;
  • Support the implementation of the group governance structure in line with the principle of „3 Lines of Defense“;
  • Closely collaborate with the core first- and second-line of defense functions as well as the group risk and compliance committee.
  • Your Strengths

  • Bachelor Business / Finance, MBA preferred;
  • 5yrs+ in enterprise risk management;
  • Sound experience in enterprise risk management, internal audits, corporate governance, and compliance;
  • Strong experience in managing operational risk is a big plus;
  • Deep knowledge of the financial services and consumer lending space is a must, understanding of the subprime- and/or near-prime space highly desirable;
  • ISO 31000  is a must;
  • Ability to orchestrate risks for non-financial and liquidity risk classes;
  • Perform non-financial Risk Reporting;
  • Solid know-how of international regulations;
  • Experience with ERM tools is a plus;
  • Experience in development and implementation of business continuity a big plus;
  • Ability to train and motivate people;
  • Experience with Tableau is a plus;
  • Strong ability to influence risk owners;
  • Bias towards successful risk mitigation.
  • How to apply

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

     

    Vacancy opened 07-06-2018

    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 350 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

  • You will support the Loan Book Accounting and reporting team in developing a new architecture for accounting and reporting Kreditech’s main business activity – loan issuing process;
  • Assist with the integration of the new accounting tools and reports into existing structure, help with reconciliation of outstanding balances reported under different systems;
  • Support the development and validation of specific accounting reports for the countries with regulated markets such as Russia, Poland;
  • Assist with IFRS9 related reports and commentary preparation for monthly management reporting and other stakeholder needs;
  • Adhere data quality control and compliance with accounting and reporting standards for loan book portfolio by performing regular testing of new products/features implemented and reports designed;
  • Participate in month-end and year-end closing process in Loan Book Accounting, including yearly audit conducted by the Big-4;
  • Responsible for the implementation of respective standards in collaboration with all relevant stakeholders especially the Technology Department;
  • Support the development of new products and define accounting requirements and specifications to provide accurate and reliable financial statements.
  • Your Strengths

  • Minimum 3 years of experience in financial accounting for consumer lending organization or a Big-4 role covering extensively financial accounting for consumer lending;
  • Detailed understanding of general accounting and IFRS accounting standards;
  • Good knowledge of IFRS 9 and provisioning accounting requirements for retail portfolios;
  • University/ postgraduate degree in Business, Finance, Accounting or Controlling;
  • Good knowledge and understanding of loan products and deposits;
  • Experience in specifying business and technical requirements for loan book accounting implementation derived from accounting standards;
  • Excellent knowledge of MS office package, especially Excel and PowerPoint;
  • Fluent in English, other languages such as Russian, Spanish or Polish would be a plus;
  • Ability to work effectively, both independently/ self-directed and as a member of a team;
  • Attention to detail and timeliness in delivering on commitments;
  • 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. There are a few screening questions, and we would like your CV and a short cover letter. That's it! We look forward to hearing from you.

     

     

    Vacancy opened 05-06-2018

    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 350 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

  • Work as junior member of the Loan Book Accounting and Reporting department being part of the Finance team with a wide range of topics including financial assets accounting, controlling and reporting;
  • Perform verification testing and analysis of accounting reports produced for the existing and new products;
  • Support with the preparation and validation of country specific reports, such as Russia, Poland, etc.;
  • Assist with investor reports preparation on portfolio sold to the Special Purpose Vehicles (SPVs);
  • Help with the monthly and yearly books closure, cooperating with BIG 4 consultants, auditors and due diligence teams;
  • Other ad-hoc tasks on loan book portfolio reconciliation and reports preparation.
  • Your Strengths

  • Master’s degree in Finance, Economics of Business from a top-tier university
  • Previous work/internship experience in a related field
  • Basic understanding of accounting and controlling procedures and processes
  • Highly numerate and proficient in Microsoft Excel
  • Ability and desire to work in a high-intensity deal environment
  • Fluency in English required; Russian, Spanish or German is a plus
  • This is a rare opportunity for Master graduate looking to gain exposure to a consumer lending business in FinTech start-up.

    How to apply

    We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link. There are a few screening questions, and we would like your CV and a short cover letter. That's it! We look forward to hearing from you.

     

    Vacancy opened 04-06-2018

    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:

    Your mission is to retain customers by providing excellent and personalized customer service. You’ll solve their issues and clarify their doubts in an effective, complete and polite way so that they will not feel the need to contact our customer service again for the same issue or doubt.

    Attend Inbound calls: greet customers politely, listen to them carefully, check customer application in the internal software, analyse their issues, and give them a clear and effective solution.

    Check missing calls with Zendesk and reach out to customers who were not able to get through

    Conduct follow-up phone calls to customers who have unsolved questions or issues

    Answer incoming emails: read the customers’ messages carefully, check their application in the internal software, and provide them with a complete, clear response

    Report any unusual events or bugs in the webpage/system to your manager

    Maintain a high level of knowledge about the product and procedures with which the customers are involved through ongoing training and research

    Maintain contact with the Payments department for operational procedure

     

    Your Strengths:

    You have basic experience in a call center

    You have a high degree of customer orientation and communication skills, able to keep up pleasant communication with the customer at all times with a good sense of humor;

    You are empathetic and can solve problems flexibly

    You have an affinity for numbers and a good attention to detail

    You are self-motivated and get along well with your team

    You speak and write Polish fluently and clearly, and English would be a plus

    Vacancy opened 01-06-2018

    Job purpose :

    Join the Kreditech Group as an Interim Senior Legal Counsel - AML from September 2018 until end of May 2019. You will be responsible for AML compliance assurance and you will play the role of a product counsel and trusted advisor by helping the group navigate some of the most pressing and cutting-edge AML questions in the context of fintech.  

    The Kreditech Group provides convenient access to online consumer credit and financial products to individuals in five countries through its web and mobile services. We use machine learning algorithms and big data infrastructure to offer these services to people who might be overlooked by more traditional lenders.

    Your Role

  • Become the main point of reference for AML across the Group. This entails providing hands-on advice to a wide range of stakeholders in nine different countries. You will have direct contact with internal clients in Underwriting, Business Intelligence, Marketing, Product, Engineering, Operations and IT Infrastructure/Security teams;
  • Continue the implementation of the AML program for the group, monitoring compliance with all related company policies;
  • Assist country teams in establishing a transparent and productive working-relation as well as a feedback loop with AML authorities across all operational markets;
  • Monitor AML compliance and relevant regulatory updates;
  • Procure external legal advice whenever necessary and manage relation with external legal advisors;
  • Own the compliance checklist and ensure adequate provision of legal services to at least one operational subsidiary;
  • Advise on the contractual framework of complex commercial transactions and revise other day-to-day commercial agreements by using our Contract Management Tool.
  • Your Strengths

  • You are admitted to practice Law in at least one jurisdiction;
  • You have completed an LLM or an equivalent advanced legal degree at a reputable law-school with a strong record of academic success (strongly preferred);
  • You have hands-on experience in AML. The ideal candidate should have at least 3-5 years of very focused experience in the field, all of them gained at an organization with a global footprint.
  • You have 3-5 years experience in a global Payment services/ consumer credit provider.  (strongly preferred).
  • You are very familiar with the jargon of technology and finance and have a good understanding of the fintech space;
  • You have a very strong commercial acumen and negotiation skills that allow you to provide valuable and pragmatic advice to internal clients during contract negotiations;
  • You have a real service mentality. That means that your approach to compliance is not merely that of a naysayer. You are able to propose alternatives and solutions to achieve commercial goals while ensuring that the organization remains compliant with AML Law;
  • You have outstanding written and verbal communication skills in the English language.
  • You have outstanding written and verbal communication skills in Spanish or Polish.
  • Desirable (Non-Mandatory): ACAMS, ICA or other relevant certifications.
  • How to apply

    We accept applications exclusively through our recruiting platform, found under the ‘Apply Now’ link. There are a few screening questions, and we would like your CV and a short cover letter. That's it! We look forward to hearing from you.

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