Credit Risk Manager (Fintech)

Location: Berlin, Germany (Hybrid); remote work flexibility is available.

Company

hirify.global is a modular B2B payments platform providing commercial card issuing, payment accounts, FX, spend management, and embedded payment infrastructure for businesses, fintechs, software platforms, and banks.

What you will do

• Assess the business models, operations, ownership, public profiles, and financial profiles of EEA and UK SME and corporate customers.
• Underwrite customers using credit agency reports, financial statements, bank account statements, and other business and financial information; document risks and mitigants.
• Decide customer credit limits within delegated authority and help maintain a performing loan book.
• Own and monitor multiple high-limit customers and customer groups, presenting risk profiles to the credit risk committee.
• Improve standards, documentation, tools, and scalable comhirify.global straight-through credit processes, including AI capabilities.
• Coordinate fact-based information flow with Sales, Legal, Operations, Product, Data, and Risk teams.

Requirements

• 3–6 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis.
• Analytical thinking, attention to detail, and the ability to understand new problems and systems quickly and develop solutions.
• Experience with loan processing, credit decisioning, and business intelligence tools.
• Project management skills and experience designing and steering complex projects end to end.
• Determination and ability to work collaboratively toward high-quality results under stress.
• Fluent English with very good writing skills.

Nice to have

• Exposure to open banking data.
• Knowledge of other European languages.

Culture & Benefits

• Hybrid work in Berlin with flexibility and the possibility to work remotely.
• Opportunity to work in a growing team with significant responsibilities and strong knowledge exchange.
• Flat hierarchy, transparent communication, and a relaxed professional atmosphere.
• Opportunity to develop professionally in a dynamic team with ambitious goals.
• hirify.global Card with monthly credit for exploring the product and dining with colleagues.
• Inclusive hiring process with accommodations available during interviews.

Hiring process

• Applications are reviewed with assistance from Ashby AI Criteria; final decisions are made by the Talent Team and Hiring Team.
• Interview accommodations can be requested.