Credit Risk Manager (Business Lending)

Location: Berlin, Germany; on-site and office-first

Company

hirify.global provides financing for energy installers and is building software-enabled lending solutions to support the energy transition across Europe.

What you will do

• Decide escalated B2B credit files within an independent approval mandate.
• Pressure-test underwriting proposals and identify risks such as negative equity and liquidity stress.
• Develop credit risk strategy to reduce delinquencies and installer operational risk.
• Convert escalation insights into sharper rules and more automated decisioning.
• Build and own the SME quality assurance framework.
• Shape the risk agenda with the Risk Lead, underwriting and portfolio management teams.

Requirements

• 5+ years of hands-on B2B or SME lending experience, including working capital lines or project financing.
• Degree in finance, economics, business administration, accounting, mathematics, statistics, or another quantitative field.
• Fluent ability to read financial statements, credit reports and ratings, and explain credit decisions concisely.
• Experience holding an approval mandate or providing credit second opinions, with confident decision-making under incomplete information.
• Data- and process-oriented mindset, with interest in automating work using AI.
• Based in Berlin and willing to work in an office-first environment.
• German at B2 level or above, sufficient to read financial statements and credit documents.

Nice to have

• Structured or trade finance experience.
• SQL, Python or R.

Culture & Benefits

• Performance pay with a strong base tied to outcomes.
• Unlimited enterprise-grade AI access without caps or approval processes.
• Direct collaboration with the founding team and ownership of decisions affecting thousands of installers.
• 25 days of vacation and a €500 annual learning and development budget.
• Apple hardware, covered WHOOP Peak membership after six months, Urban Sports Club membership, and a fully covered Deutschlandticket.
• Office meals, stocked kitchen, team events budget, green power tariff, and employee discount programs.

Hiring process

• Intro call, hiring manager interview, and a one-hour case study with the brief provided in advance.
• Most candidates progress from the first call to an offer in under three weeks, followed by a signed contract.