2 job openings

Hamburg, Germany

Industry

Consumer Finance & Alternative Financial Services

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 23-05-2017
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

  • You will be empowered to design and implement major new features in one of our product teams;  
  • You will work closely with other departments, such as Product, Marketing and Data Science;  
  • You will write and test code that survives at internet scale;  
  • You will work hard to consistently make systems simpler.  
  • Your Strengths

  • Expertise with Scala, Java or other JVM-based languages;  
  • Expertise with SQL, RDBMS design and optimization;  
  • Practical experience working with functional programming languages;  
  • Theoretical foundations as well as practical experience designing and implementing distributed systems;  
  • Solid theoretical background in Computer Science;  
  • Experience working in Agile development environments, preferably following Scrum methodology;  
  • Working knowledge of MongoDB or other NoSQL databases;  
  • Strong knowledge of HTTP and (REST) API design;  
  • Experience in JavaScript full stack development (e.g. ReactJS and Node.js) is a plus.
  • Data Scientist (m/f)

    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 a key part of our fun and passionate team, you will be responsible for performing advanced business analysis and forecasting on a wide range of problems, from debt collection performance to customer experience optimization.  

    This is the optimal opportunity for you to: 

  • Get involved in a great domain of applications for data mining techniques;  
  • Work with state-of-the art stack of data processing technologies;  
  • Experience a range of different problems and technologies from day 1;  
  • Get responsibility right from the first day and the unique chance to spearhead the way big data is used in one of the fastest growing financial sectors.  


  • Your Strengths 
    Essential:  

  • Bachelors or Masters with strong academic performance in a quantitative field (Computer Science, Statistics, Mathematics, Electrical Engineering, Business Informatics);  
  • Expertise in Machine Learning;  
  • 1 or more years of work experience in a similar role;  
  • Ability to process data and build predictive models in R (R Studio);  
  • Experience in analyzing complex data and presenting your conclusions in a clear and concise manner to a wide range of audiences;  
  • You are familiar with SQL and NoSQL database technologies, and are capable of at least querying them for any data required;  
  • You speak English fluently-any other language or German are not required but an additional plus.  

  • Preferred: 
  • PhD degree in a quantitative field;  
  • 2 or more years of experience as a data scientist;  
  • Absolutely fluent in R, you could call yourself an R-hacker;  
  • Familiarity with Python.
  • Why Join Kreditech Holding SSL