41 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 13-04-2018

Job purpose :

 

Join the financial revolution!

Join the Kreditech Group as our UX/UI Designer. You'll work directly with the product team. We use big data and complex machine-learning algorithms to serve a simple mission: “Building a ‘digital bank’ for the unscored worldwide.” The primary goal of this role is to contribute strategically and tactically to evolving market-driven, user-centric products in the context of a high conversion rate. You will be responsible for the UX conceptualization and optimization of new and existing products.

Your Role

Research

  • Monitor and analyze usage data of the online products (with a close collaboration with Data Science and Web Analytics teams);
  • Create a hypothesis on the gathered insights with strong arguments;
  • Analyze the competition and their UX approach;
  • Design and conduct a user research (remote testing, guerilla testing, lab testing etc.);
  • Design and conduct workshops with a stakeholders and team members;
  • Gather UX requirements based on user and business needs (using common tools presentations, videos, user stories, acceptance criteria).
  • Prototyping (ideation)
  • Define and organize the information architecture;
  • Prepare user flows and use cases;
  • Create low and high fidelity wireframes using various tools such as whiteboard, pen & paper, software tools etc;
  • Work in close collaboration with the product team;
  • Present the product/feature vision in clear and simple way.
  • Design (creation)
  • Create interactive prototypes (axure, uxpin etc.) individually or in cooperation with UI designer;
  • Craft UI components and ensure consistency across different products;
  • Cooperate closely with UI designer and Front End developers during implementation.
  • Your Strengths

  • Bachelor’s or Master’s degree in human-computer interaction (HCI), business, marketing or equivalent professional experience;
  • 1-3 years work experience with web-based products;
  • Proven ability to deliver user experiences that work;
  • Being an ambassador for a user centric mindset within the company;
  • Relentless obsession with perfecting detailed aspects of the user experience;
  • Passion for continuous learning in usability principles and techniques;
  • Outstanding communication, presentation, and interpersonal skills;
  • A proven ability to design cross-channel, multimedia integrated campaigns;
  • Well steeped in market-driven, product management principles;
  • Skilled at rapid prototyping in HTML/JavaScript, Axure, Balsamiq, napkins and whiteboards;
  • Strong collaborator with proven ability to rally and inspire engineers;
  • Appropriate experience in consumer marketing;
  • Deep experience of shaping, influencing and marketing a user experience and user value proposition;
  • Ideally experience of working in a global environment;
  • Fluent in English.
  • How to apply

     

     

     

     

     

     


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

    Vacancy opened 11-04-2018

    Job purpose :

    Join the financial revolution!

    Are you passionate about finance and want to make a real change? Join the Kreditech Group and our team of over 400 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!

    Our Need

  • We are building a state of the art “Lending as a Service” digital infrastructure to enable innovative online lending products, such as cardless EMI, for Indian ecommerce market
  • Cardless EMI product has recently been launched in partnership with PayU and we have big plans to scale this product by partnering with 100’s of online retailers.
  • Your Role

  • Own and lead product strategy and product development roadmap for our brand new flagship lending product (Cardless EMI) for the Indian market and its processes spanning across the entire life cycle of a loan from origination to collection;
  • Contribute to meeting product financial targets;
  • Directly manage a cross-functional product design, engineering and business process team to continuously improve product with a strong focus on shipping features and learning from customers;
  • Develop and own cross functional roadmap of product and process improvements by working closely with executive leadership, strategic partners and cross functional teams;
  • Closely cooperate with other key stakeholders at our product and engineering headquarter in Hamburg:  Data Science / Underwriting for credit risk management, Central Engineering & Technology, Design, Legal and Compliance, Collections, Finance and Business Intelligence;
  • Own product value proposition, product features & processes, customer lifecycle touchpoints, customer experience, overall business impact (1-3 years horizon);
  • Manage all key areas of product development: conversion optimization, UI / UX development, product analytics, market research, competitive analysis, customer support, cross functional process improvements,  roadmap and priority management;
  • Closely follow the unit economics and commercial performance of your product and on request drive improvements with the relevant stakeholders;
  • Manage further roll out of product across 100’s of new merchants and be part of big partnership discussions to help scale business;
  • Represent and contribute to our company’s core values of data-driven, ownership, efficiency, Innovation, Integrity and “One Team”;
  • Be located in India, with 15-25% requirement for international travel.
  • Your Strengths

  • Formal university education in either of: finance, banking, economics, business;
  • At least 5 years of strong track record in management and development of a successful consumer lending product in India’s e-commerce or fintech space;
  • Managed or developed successful consumer digital products preferably in finance or e-commerce domain;
  • Strong sense for good product UX, processes and technical design. You have experience in designing and documenting complex product processes that delivers high customer satisfaction and business value;
  • Able to define best practices for e-commerce/online finance products and have a deep understanding of Indian e-commerce customer segments and online retailers/merchant’s operational/payment challenges;
  • Able to demonstrate a deep understanding of KYC regulations and processes in India especially eKYC using aadhar;
  • Familiar with different legal structures possible to enable online lending in e-commerce/retail;
  • Follow recent regulatory and business/market trends in Indian fintech especially payments vertical;
  • Some exposure to core-banking systems and designing financial products in partnership with finance/accounting/payment teams;
  • Strong sense for KPIs and are able to develop a holistic understanding for unit economics of a lending product;
  • Previous experience in developing and modeling business cases;
  • Strong customer-orientation and are obsessed with delivering best-in-class services and experiences at extraordinary quality;
  • Fluent in English.
  • How to apply

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

     

    Vacancy opened 06-04-2018

    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!

    Our Need

  • We are looking to build a Poland based product team to help us scale our “Lending as a Service” - purchase financing business with particular emphasis on the e-commerce market;
  • We are one of the most innovative online lending company today in Poland with a range of loan/payment products for online customers such as installments (PayU Raty), buy now pay later (Payu Płacę Później) and direct online loans (Monedo);
  • We are looking for an extremely strong product management professional with a strong educational background who has the knowledge, skill-sets and business acumen to be successful in this challenging role.
  • Your Role

  • Own all our online lending products and processes spanning across the entire lifecycle of a loan/transaction from origination to collection in Poland;
  • Directly manage a cross-functional product design, engineering and business process team to continuously improve the product with a strong focus on shipping features and learning from customers;
  • Drive vision, strategy, annual roadmap plans, day-to-day management and multi-function orchestration of our products in Poland;
  • Develop and own cross-functional roadmap of product and process improvements by working closely with executive leadership, strategic partners and cross-functional teams;
  • Build product backlog so that development team accepts and delivers product/sprint;
  • Collaborate closely with other key stakeholders at our product and engineering headquarter in Hamburg:  Data Science / Underwriting for credit risk management, Central Engineering & Technology, Design, Legal and Compliance, Collections, Finance and Business Intelligence;
  • Be responsible for product value proposition, product features & processes, customer lifecycle touchpoints, customer experience, overall business impact (1-3 years horizon);
  • Manage all key areas of product development: conversion optimization, UI / UX development, product analytics, market research, competitive analysis, customer support, cross-functional process improvements,  roadmap and priority management;
  • Closely follow the unit economics and commercial performance of your product and on request drive improvements with the relevant stakeholders;
  • Manage further roll out of product across 100’s of new merchants and be part of big partnership discussions to help scale business;
  • Represent and contribute to our company’s core values of data-driven, ownership, efficiency, Innovation, Integrity and “One Team”;
  • Be located in Warsaw, Poland, with 15-25% requirement for travel.
  • Your Strengths 

  • Formal university education in either of: finance, banking, economics, business;
  • 5 years of strong track record in management and development of a successful consumer lending product in ecommerce or fintech space;
  • Managed or developed successful consumer digital products preferably in finance or e-commerce domain;
  • Strong sense of good product UX, processes and technical design. You have experience in designing and documenting complex product processes that delivers high customer satisfaction and business value;
  • Able to define best practices for e-commerce/online finance products and have a deep understanding of e-commerce customer segments and online retailers/merchant’s operational/payment challenges;
  • Able to demonstrate a deep understanding of consumer credit, AML regulations and processes in Poland;
  • Familiar with different legal structures possible to enable online lending in e-commerce/retail sector;
  • Follow recent regulatory and business trends in Polish fintech especially payments vertical;
  • Some exposure to core-banking systems and designing financial products in partnership with finance/accounting/payment teams;
  • Strong sense of KPIs and are able to develop a holistic understanding for unit economics of a lending product
  • Previous experience in developing and modeling business cases;
  • Strong customer-orientation and are obsessed with delivering best-in-class services and experiences at extraordinary quality;
  • Fluent in English.
  • How to apply

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

    Vacancy opened 03-04-2018

    Job purpose :

    Join the financial revolution!

    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

  • You will be involved in the Underwriting Department at the core of the business, where we collect and process customer data;
  • Execute a full life cycle software development;
  • Document and maintain software functionality;
  • Tailor and deploy software tools, processes and metrics;
  • Building well designed, testable and efficient software;
  • Work alongside Engineers, Product Managers, Data Engineer and Data Scientists in a highly collaborative environment, where you will get the chance to become involved in the data-driven culture and manage its quality.
  •  Your Strengths

  • BS degree in Computer Science or Engineering;
  • Hands on experience in designing interactive applications;
  • Ability to develop software in Java/Scala languages;
  • Excellent knowledge of Databases - PostgreSQL, MongoDB;
  • Ability to develop and to use different RESTful API's;
  • Ability to document requirements and specifications;
  • Familiarity with software development methodology and release processes;
  • Knowledgeable on HTTP;
  • Hands on experience with AWS.
  • How to apply

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

    Vacancy opened 03-04-2018

    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

    The main purpose of this role is to support enterprise security solutions for business, regulatory, and legal requirements, and assure the confidentiality, integrity, and availability of information assets. The role incumbent actively participates in creation and enforcement of Security best practices and protecting technological assets by enforcing policies and effectively communicating and educating security awareness to all staff.  Your responsibilities will include:

  • Perform/oversee periodic risks assessments to identify security vulnerabilities, determine the acceptable level of risk, and prepare recommendations to reduce information security risks;
  • Implement or coordinate remediation required by audits, as necessary;
  • Administering and auditing the security of the different applications used within the organization;
  • Auditing and assessing the physical network infrastructure, including servers, appliances, networks etc.;
  • Prepare and periodically update information security policies, architectures, standards, and/or other technical documents to ensure all resources are adequately protected;  
  • Ensure adequate audit trails exist for the detection, investigation, and correction of information security breaches, violations, and other incidents;
  • Act as a technical advisor for a variety of ad-hoc information security projects as dictated by business and technology developments;   
  • Provide technical assistance in the selection, configuration, and maintenance of security devices and technologies;
  • Monitor and analyze security logs to identify any anomalies within the company’s environment and activities within the network, systems, and applications;
  • Issue, follow-up on, resolve or drive resolution of open security event tickets;
  • Engage with cross-functional teams in the design and implementation of security projects and initiatives;
  • Promote security awareness and adoption of security standards and practices to all staff members including vendors;
  • Respond to and, where appropriate, resolve or escalate reported security incidents;
  • Identify recurring problems and recommend proactive measures to eliminate them;
  • Remain current on emerging security risks, trends, and technologies and share with the team.
  • Your Strengths 

  • Bachelor Degree in Computer Science or Information Security;
  • Relevant information security certifications preferred (i.e. CISSP, CISM, CISA, ISO27001);
  • At least 5 years of professional experience in a similar role;
  • Demonstrated knowledge of regulatory compliance requirements such as GDPR;
  • Extensive network, system and application security experience;
  • Excellent understanding of TCP/IP and network communications;
  • Functional knowledge of web-based fintech technologies;
  • Demonstrable knowledge and experience with SIEM, IPS/IDS, Security Architecture and Incident Response.
  • How to apply

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

     

    Latest news

    Technology stack

    nginx nginx
    PHP PHP
    D3.js D3.js
    Google Analytics Google Analytics
    CloudFlare CloudFlare
    Mailgun Mailgun
    New Relic New Relic
    Show more