Senior Credit Risk Manager - LMM (m/f/d)

Location: Berlin, Germany (Hybrid); remote work is also possible.

Company

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

What you will do

• Assess the identity, business models, operations, public profiles, and financial profiles of EEA and UK SME and corporate customers.
• Analyze credit agency reports, financial statements, and bank account statements; document risks and mitigants and reach underwriting conclusions.
• Decide customer credit-limit requests within delegated authority and help maintain a performing loan book.
• Own multiple high-limit customers and customer groups, monitor their development and risk profiles, and present them to the credit risk committee.
• Improve standards, documentation, tools, and operational workflows while designing scalable, comhirify.global straight-through processes, including AI capabilities.
• Facilitate fact-based communication across Sales, Legal, Operations, Product, Data, and Risk teams.

Requirements

• At least 7 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers at a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis.
• Analytical thinking, attention to detail, and the ability to quickly understand new problems and systems and develop solutions.
• Experience with loan-processing, credit-decisioning, and BI tools.
• Project management skills and demonstrated ability to design and steer complex projects end to end.
• Determination and ability to work collaboratively toward high-quality customer results under stress.
• Fluent English with very good writing skills.

Nice to have

• Experience with large corporations and deal structuring.
• Exposure to open banking data.
• Other European languages.

Culture & Benefits

• Work in a growing team with significant responsibility and strong knowledge exchange.
• Flat hierarchy, transparent communication, and a relaxed professional atmosphere.
• Flexible hybrid work with the possibility to work remotely.
• Opportunity to develop professionally in a dynamic team with ambitious goals.
• Attractive remuneration and a hirify.global Card with monthly credit for exploring the product and dining with colleagues.