Credit Risk Analyst - German speaking (London based)

Descrizione

iwoca is breaking down the barriers that stop Europe’s 20 million small businesses from accessing finance. Traditional bank loans have slow application processes, inflexible terms and burdensome criteria. In contrast, we use cutting-edge technology to offer flexible access to credit with a five minute application process and a decision in minutes.

Since 2012, we've lent over £1 billion to 50,000 businesses across Europe. Our customers include everything from cafés to car dealers, salons to solicitors. Along the way we have built a sophisticated technology platform, won numerous awards and grown a fun and vibrant team.

However, we’re still near the start of our journey – our aim is to finance a million small businesses within a decade and so we need more smart, hands-on people to help us reach this goal.

The role:

Our team of Credit Risk Analysts are responsible for making lending decisions for each of the small businesses that approach iwoca. Your mission will be:

• Conducting independent analysis of corporate / credit risks – using our cutting-edge tech platform, you will be analysing data from financial statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions.
• To closely cooperate with the client management team; involvement in client contacts regarding risk-related topics.
• To optimize and create processes that can scale with the business
• To work closely with the Tech and Analytics team to further improve our existing tools, credit risk management systems and models
• To take responsibility for your credit decisions: you should thrive under a KPI driven environment where you are responsible for meeting global risk targets.
• Conscientious monitoring of the existing credit portfolio.

Requirements

You will need:

• University degree, preferably in business or economics, or equivalent training (banking traineeship followed by relevant further education)
• Preferably 1+ years of experience in the field of corporate risk analysis. Other relevant experience (in finance, audit or consulting for example) will also be taken into account
• Superior analytical skills in conjunction with a pronounced risk awareness and problem solving skills, along with a willingness and ability to justify decisions in a clear and comprehensible manner
• The ability to interpret key financial statements and an understanding of the key risk drivers specific to SMEs.
• Fluent German speaker with a high level of written and spoken English (CEFR C2 level or similar). Should your German not be fluent but your English is, you can apply for the same role on the UK team.
• To be confident, focused and enthusiastic. You have to be comfortable working independently and making your own credit decisions in a fast-paced startup environment where every month needs to be a record month.
• Good communication skills. You will have direct telephone contact with loan applicants to extract additional information so need a friendly telephone manner.
• A bucket-load of common sense
• Cover letter is essential.

Benefits

What’s life like as an iwocan?

We all enjoy:

• Bright, modern office spaces in Tottenham Court Road and Covent Garden
• Two company retreats a year (in places like the French Alps or Spanish seaside)

• Pool, ping pong, foosball tables and tournaments and yoga
• An ever-growing number of clubs including climbing, chess, football and boxing
• Plenty of drinks and snacks in our office kitchen
• A paid volunteering day each year, for you to support your chosen charity

Just for you:

• Medical insurance from Vitality, including discounted gym membership
• Stock options
• Enhanced maternity and shared parental leave
• A workplace nursery tax benefit scheme
• 25 days holiday per year and an extra day off on your birthday
• Extra leave if you want to travel or study
• Special celebrations for anniversaries and long service including sabbatical
• Flexible working
• Cycle-to-work scheme

And to make sure we all keep learning, we offer:

• Tickets to tech conferences across Europe
• Company-wide talks with internal and external speakers
• A calendar of meetups we host at our office
• Access to learning platforms like Treehouse if you want to learn to code