Credit Decisions Analyst responsible for assessing credit applications for Merchant Cash Advances. Collaborating with global partners and optimizing internal risk processes in a growing finance platform.
Responsibilities
As part of our Credit Decision Team, you will be responsible for the credit assessment of new and existing customers applying for Merchant Cash Advances (MCAs).
You will process applications from thousands of German and Danish businesses coming through our global partners.
You assess repayment capacity and risk profiles by analyzing financial data, financial statements, and revenue/payment data.
You decide on the terms of financing offers (amount, duration, price), balancing risk with growth.
Using state-of-the-art third-party systems, you manage KYC checks as well as onboarding and compliance risks.
You work closely with other teams to continuously improve our risk engine and internal workflows.
Requirements
Analytical Focus: You enjoy working with data and possess high attention to detail.
Experience: Ideally, you have 1–2 years of experience in underwriting or finance; however, we also welcome highly motivated talents with a strong analytical background.
Tech Savvy: Proficiency in Excel is a prerequisite.
Hands-on Mentality: You are proactive, solution-oriented, and comfortable working in a dynamic environment with daily deadlines.
Languages: You communicate confidently and professionally in German and English.
Nice to Have: Strong analytical and problem-solving skills, as well as experience handling large datasets (e.g., SQL, Python, R).
Benefits
High Performance: A highly skilled team that drives each other to peak performance through direct feedback and aligned incentive systems.
Team Spirit: A strong, transparent culture – we stand up for one another.
Impact: An empowered work environment where results matter.
Agility: A data-driven way of working with a focus on speed and minimal bureaucracy.
Build-up Opportunity: You will become part of our new team in Berlin and actively help scale the German market.
Growth & Stability: Over 100% YoY growth meets the security of the Banking Circle Group (with a banking license in Luxembourg) and the backing of EQT.
Development: Clear career paths and an attractive salary package, including bonus or equity programs.
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