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18 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 17-10-2018

Job purpose :

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

A day in this job
  • You will work closely with other departments, such as Design, Front end, Marketing and Data Science to implement new features in one of our products;
  • You will write and test code that survives at Internet scale;
  • You will work hard to consistently make systems simpler;
  • You will create brand new software instead of maintaining boring legacy stuff.
  • Desired skills and experience

    Essential

  • Java programming languages;
  • Knowledge in SQL and NoSQL databases;
  • Experience with Hibernate and challenges you face when using ORMs;
  • Working in DevOps environment with Jira, GIT, Jenkins Pipelines;
  • Working with message queues like RabbitMQ or ZeroMQ;
  • Theoretical foundations as well as practical experience designing and implementing distributed systems;
  • Experience working in SCRUM development environment;
  • Strong knowledge of HTTP and (REST) API design;
  • Fluency in English Language 
  • Preferred

  • Skilled in Linux/Systems administration;
  • HTM5L/CSS3, jQuery, Bootstrap, Sass/Less;
  • Good knowledge of JavaScript frameworks (React.js);
  • Experience with GoLang
  • What is in it for you?
  • Very good compensation (regular employment contract or B2B);
  • Sport card;
  • Medical Insurance;
  • Nice office in the heart of Warsaw
  • Fruits at work;
  • Great atmosphere!
  • How to apply?
  • We accept applications exclusively through the application form below.
  • Vacancy opened 15-10-2018

    Job purpose :
    Description
  • Conduct business analysis to determine how changing business needs will affect the system or product; clearly articulate the business need and potential solutions with support of insightful analysis and documented evidence;
  • Recognize patterns in complex information and identify key issues. Identify gaps between business requirements and existing or proposed design solutions;
  • Contribute ideas and solutions to management to enhance design and deliverables. Understand technical concepts and how they impact the project/business;
  • Work with business areas to identify areas of risk for errors and omissions;
  • Identify and interview key individuals to gather needed details and direction to define business requirements;
  • Document business requirements gathered from business users, sponsors  and clients, and obtain user sign off on the requirements;
  • Transform defined business requirements into functional requirements IT specifications and present to engineers for solution design;
  • Build the bridge between Finance, Business and IT needs and requirements;
  • Support system implementation and system integration;
  • Transfer your gained Change knowledge to your team members in Finance.
  • Desired skills and experience
  • Bachelor’s or Master’s degree in computational science (Data Science, Finance, Accounting, IT, Wirtschaftsinformatik (or related field)) or equivalent experience required;
  • 4+ years of professional working experience in a Banks, Financial Institutions or consultancy;
  • Detailed understanding of common industry standard business practices as related to Accounting (AR, AP, GL, Invoicing); Revenue Management and Support (Case Management);
  • Ability to work independently;
  • Proven strong quantitative abilities;
  • Fluent in English and ability to communicate effectively in multiple languages is helpful, with a strong preference for German, Spanish and/ or Polish;
  • Strong oral and written communication skills and ability to work in a team environment;
  • Previous consulting experience as a System Architect or System integrator is useful;
  • Experience with any ERP, sub-ledger or General Ledger implementation;
  • Experience with analytic tools (Excel, SQL);
  • We are looking for someone to start as soon as possible!
  • What is in it for you?
  • You will join a highly international team with colleagues from more than 20 nations;
  • Together with a great team you will work on exciting projects;
  • You will work in 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.
  • How to apply?

    We accept applications exclusively through the application form below.

    Vacancy opened 11-10-2018

    Job purpose :
    Description
  • Responsible for implementation of “EPS/OSBU” project per Russian Central Bank requirements in a microfinancing company
  • Coordination of work between IT provider, Head office in Hamburg and accounting department in Kreditech Rus
  • Accounting methodology approval in line with “EPS/OSBU” requirements
  • Finalisation of task to IT provider
  • Testing results
  •  

    Desired skills and experience
  • Project management experience in accounting and finance areas, preferably leading “EPS/OSBU” project experience;
  • Preferably experience of work in bank or microfinance company in Russia;
  • IFRS and Russian accounting basic knowledges;
  • Knowledge of loan portfolio accounting per IFRS (amortized cost methodology, IFRS9 impairment requirements)
  • University/ post-graduate degree in IT, Mathematics, Finance, Economics, Accounting & Audit or related fields;
  • Fluent in Russian and English;
  • Leadership skills to drive and finalize the project;
  • Strong oral and written communication skills; ability to work in a team environment;
  • Commitment to excellence and high professional and ethical standards;
  • We are looking for someone to start as soon as possible!
  •  

    What is in it for you?
  • Being a leader of relevant IT & accounting project
  • Cooperation in the environment of multinational company
  • Ability to use knowledges about IFRS9 and Russian Central Bank requirements to accounting and reporting
  • You will work in an awesome office in the heart of Moscow
  • Together with a great team you will work on exciting projects
  •  

    How to apply?
  • We accept applications exclusively through the application form below.
  • Vacancy opened 10-10-2018
    Location: Warsaw

    Job purpose :
    A day in this job

    As a technical support/helpdesk employee, you'll be monitoring and maintaining the computer systems and networks within an organisation in a technical support role. If there are any issues or changes required, such as forgotten passwords, viruses or email issues, you'll be the first person employees will come to.

    As our office in Poland has reached a new expansion phase we got to the point where on premise support is required You will be part of an international team with the headquarters in Hamburg and team members in India, Romania and soon Poland.

    As the main IT Operations personnel in our Polish office, you will be the main contact and responsible for the local IT Infrastructure making sure that all systems are maintained and in parameters.

  • Installing and configuring computer hardware operating systems and applications;
  • Diagnosing and solving hardware/software faults;
  • Logging/processing employee tickets;
  • Collaborating with staff or customers, either face-to-face or over the phone and guide them through the system settings as well as identify computer problems and advising on the solution;
  • Supporting the roll-out of new applications;
  • Providing support, including procedural documentation and relevant reports;
  • Testing and evaluating new technology;
  • Replacing hardware and software solutions as well as acquisition of equipment as required;
  • Handling access Management requests;
  • 1st level networking diagnosis.
  • Desired skills and experience
  • Good knowledge of both Microsoft and Apple operating systems;
  • Understanding of the software and operating systems mechanisms;
  • Good memory of how software and operating systems work;
  • Logical reasoning and problem solving skills;
  • Ability to prioritise your workload and attention to details;
  • Team player;
  • Fluent in English is a must.
  • What is in it for you?
  • We use a wide variety of technologies to maintain operations and a hybrid infrastructure in both on prem and cloud, giving you the chance to expand your knowledge and grow professionally;
  • We are a very stable team with a lot of success stories where team members switch roles to more demanding positions due to the knowledge gained while being part of the IT Office department;
  • 26 days of paid leave, so long as you promise to come back!;
  • You will work in an awesome office in the heart of Warsaw 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 and believers in agile methods. 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 complete our online application. We want to hear what you accomplished so far and tell us why do you want to join us!

    How to apply?
  • We accept applications exclusively through the application form below.
  • Vacancy opened 09-10-2018

    Job purpose :

    The scope of this role is to strengthen our credit risk controlling and to develop new approaches for portfolio management.

    A day in this job
  • You will take ownership for Kreditech’s Global Credit Risk Controlling, focusing on analysis, reporting and control for our global consumer finance activities, within the Credit Risk department;
  • This is an exciting role for an experienced consumer risk controller, at the interface of Kreditech’s industry-leading credit risk technology with Data Science, Finance and Senior Management;
  • You are expected to:
  • Develop an accurate and timely credit portfolio management framework, covering daily, weekly and monthly management reporting;
  • Support the Risk and Credit departments as well as senior management in policy-setting, building analysis and reporting excellence for loan portfolios on the book, ultimately contributing to profitability and growth;
  • Develop solutions to ensure the accuracy of credit risk measurement and the capture of necessary data to support future credit model development;
  • You will own important credit risk analysis and support management decision on related topics, including:
  • Impairment analysis based on statistical models, suggesting feedback to scoring model and feedforward for budgeting;
  • Risk-return monitoring;
  • Scenario analysis;
  • Product Profitability/Pricing;
  • Data Governance.
  • Desired skills and experience
  • At least 3 years experience in Consumer Credit Risk Analysis/Controlling for a consumer lending organization or a rating agency;
  • University/postgraduate degree in a mathematical/statistical discipline;
  • Extensive practical experience and good knowledge of related fundamental principles, strong analytical skills and knowledge of risk modeling and valuation methods;
  • Specialist skills in analytical software (e.g. R, SAS/SPSS, Excel/VBA);
  • Experience, interest and aptitude in credit business and generally financial services industry;
  • Fluent in English and ideally also in German. Any other language 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; skilled in problem solving, decision making, and conflict resolution; good communication skills;
  • Desire to work with an international team of professionals who are passionate about their work and projects.
  • What is in it for you?
  • Join a dynamic and diverse team of experienced credit risk controller, in one of the fastest growing Fintech organizations;
  • Learn modern digital credit risk portfolio management in context of credit risk assessment based on machine learning and fully digitized underwriting process;
  • Be part of new digital lending in an agile environment that allows you to explore better credit risk approaches;
  • 28 days of paid leave, so long as you promise to come back!;
  • 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 and believers in agile methods. 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!

    How to apply?
  • We accept applications exclusively through the application form below.
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