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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 10-12-2018

Job purpose :
A day in this job
  • Provide advice to various stakeholders within the organization on all things legal 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 Spanish 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 spanish credit operation.
  • Ensure adequate resolution for all disputes concerning Kreditech’s operation in Spain.
  • Ensure adequate response to any and all regulatory inquiries concerning Kreditech’s operation in the Spanish market.
  • Review commercial agreements and advice in the negotiation of same.
  • Maintain a risk inventory and keep track of all potential changes in regulation that affect financial technology/ consumer credit providers.
  • Carry out legal research and document findings in the internal knowledge wiki.
  • Carry out company secretarial work as needed from time-to-time.
  • Desired skills and experience
  • Admission to practice Law in the Spanish jurisdiction.
  • You have completed a law degree at a reputed Spanish Law School, a LLM is highly desirable.
  • 3+ years experience in a legal/compliance role in a bank, consumer credit or similar financial institution, previous experience in consumer credit is highly desirable.
  • 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 Spanish.
  • 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 Madrid.
  • 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 07-12-2018

    Job purpose :
    A day in this job
  • Provide advice to various stakeholders within the organization on all things legal 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 Polish 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 Polish credit operation.
  • Ensure adequate resolution for all disputes concerning Kreditech’s operations in the Polish market.
  • Ensure adequate response to any and all regulatory inquiries concerning Kreditech’s operations in the Polish market.
  • Review commercial agreements and advice in the negotiation of same.
  • Maintain a risk inventory and keep track of all potential changes in regulation that affect financial technology/ consumer credit providers.
  • Carry out legal research and document findings in the internal knowledge wiki.
  • Carry out company secretarial work as needed from time-to-time.
  • Desired skills and experience
  • You have completed a Masters of law degree at a reputed Polish Law School.  
  • 3+ years experience in a legal/compliance role in a bank, consumer credit or similar financial institution.  (Previous experience in consumer credit is highly desirable).
  • 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 Polish.
  • 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.
  • Highly desirable: Previous experience liaising with UOKiK and/or in UOKiK proceedings.
  • 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 Warsaw.
  • 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 04-12-2018

    Job purpose :

    The Treasury Team manages the cash-flows (internal and external) of Kreditech group, running liquidity forecast and reports to investor, ensure that financial risk are within the defined limits. It is a small (3 person), dynamic team reporting to the CFO, and the role involves frequent interaction with him, as well as with the Payments Team. We are optimising our liquidity forecast and cash management, in order to support our fast growing operation worldwide, and to decrease our FX risk exposure. 

    A day in this job
  • Administer the relationship with Payment Providers and local cash-clearing institutions;
  • Prepare and control the daily position report of the group;
  • Manage Bank access and being the point of contact for bank administrative and operational issue;
  • Be in charge of monitoring the cash position of Kreditech, you will play a key role in the cash management of the group, interacting with Senior Management;
  • Contact person and main account administrator for our financial institution, you will often communicate with our banks and payment service providers, even negotiate or be part of negotiation with them;
  • Optimize our operational Cash-In and Payments Procedures, as well as our Bank and Payment Service Provider structure, to ensure efficiency and compliance;
  • Be responsible for cost structure overview and optimisation, including being the main point of contact for budgeting and costs-side questions;
  • You are an individual contributor, comfortable in communicating, rigorous and detail oriented. You will support the integration of the new treasury system, as well as consistently look for ways to optimise our operation treasury layout.
  • Desired skills and experience
  • Bachelor’s degree;
  • 3-5 years of experience in either treasury or accounting;
  • Experience in banking transaction system (such as Connexis, Datev);
  • Rigorous and detail oriented;
  • Fluent in English, other language appreciated (German, Polish, Spanish);
  • Experience in Risk and Compliance is preferred, knowledge of internal control structures (e.g. Sarbanese-Oxley) is a definite plus.
  • What is in it for you?
  • You will joint a team at the core of the development of Kreditech, with a global view on the businesses, and the possibility to make a great impact on the future of Kreditech;
  • Beside the cash management activities, you will learn about complex funding, investors reporting and relationship management;
  • Being part of a central team in a developing fintech group, with a great working atmosphere  ;
  • 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 04-12-2018

    Job purpose :

    Our marketing team is customer centrist and the main purpose of this role is to work together with the team in improving the customer’s journey and make it even smoother.

    A day in this job

  • Responsible for creation and execution of the content plan;
  • Analysis of the content and strategies of the competitors;
  • Preparation of texts for regular direct-communications - email, IVR and SMS;
  • Writing texts, translations and/or order from copywriters to fill the blog / social networks;
  • Constant analysis of the results;
  • You will be part of the Marketing team composed of 4 professionals in our Russian office and many more in other locations. You will have a great opportunity to get new experiences and share yours;
  • We set up high growth targets in the marketing team and we pay special attention to the growth in customer retention;
  • We are a data-driven organization that believes data should be at the heart of strategic decision making.
  • Desired skills & experience

  • Higher education or incomplete higher education;
  • Literate in written and oral speech;
  • Experience as a copywriter or editor it’s a plus;
  • The ability to express thoughts in texts in an interesting, clear and accessible way;
  • Good command in English (at least intermediate level).
  • Would be great if you have:

  • Experience writing/editing texts (copywriting/rewriting) on financial topics;
  • Experience in banks, financial or insurance companies;
  • Knowledge of SEO and HTML.
  • What is in it for you?

  • Career development;
  • Possibilities of obtaining knowledge from related marketing areas;
  • Quarterly bonuses;
  • Working hours: 5/2 (10:00 - 19:00);
  • Registration in accordance with the LC RF;
  • Corporate Health Insurance (after 6 months of work);
  • Office - metro. Polyanka, Dobryninskaya;
  • Soft drinks in the office.
  • 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 04-12-2018

    Job purpose :
    Description
  • Responsible for control of monthly reporting to the Russian Central Bank which is done by an external accounting provider;
  • Bank statements analysis and control over monthly cash flow to the Russian Central Bank;
  • Loan portfolio accounting: Development of accounting per IFRS and Russian Central Bank, automation of loan portfolio accounting and reporting;
  • Reconciliations with debtors and creditors, including settlements with personnel;
  • Organisation and control of business process of primary documents preparation and keeping,
  • Monitoring of accounting legislation and development of application of new Russian Central Bank regulations
  • Desired skills and experience
  • 3+ years experience working in accounting or financial department in bank, microfinancing company, big4 or a financial services company
  • University / post-graduate degree in Finance, Economics, Accounting & Audit or a related field;
  • Loan portfolio accounting skills, preference for candidates with IFRS9 knowledge;
  • Experience in preparing Financial Statements, good knowledge of P&L, BS, CF
  • Experience in Financial Control area: Settlements, control over accounting and reporting
  • Russian accounting, IFRS and Tax legislation knowledge;
  • Excellent Excel knowledge
  • Fluent in Russian and English
  • Leadership skills to cover tasks both with Russian and Holding team
  • Strong oral and written communication skills and 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?
  • Full scope of financial control area
  • Development of loan portfolio accounting per IFRS, experience in automation
  • Experience in RCB accounting and development of application of new Russian Central Bank regulations
  • Work in multinational Holding with European standards of work
  • You will work in an awesome office in the heart of Moscow
  • How to apply?
  • We accept applications exclusively through the application form below.
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