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About the Role

As a Credit Analyst (m/f/d), you will own core parts of our underwriting and portfolio processes (B2B and B2C). You will be responsible for making and improving credit decisions, actively shaping how we scale our risk operations. You will operate independently in day-to-day underwriting and play a key role in improving our risk framework as volumes grow rapidly.

Responsibilities

• Own and perform credit underwriting for end customers (B2C) and installer/partner companies (B2B)
• Review financial documents, application data, and risk indicators within defined underwriting rules
• Make credit decisions within clearly defined approval limits
• Ensure compliance with internal risk policies and underwriting guidelines
• Identify and escalate anomalies, risk signals, or potential fraud cases
• Support the continuous improvement of underwriting and operational processes
• Maintain and improve data quality in risk-relevant systems
• Work closely with the Risk team to ensure stable daily operations

Requirements

• 1–3 years of experience in Credit Risk, Underwriting, or Lending Operations
• Strong experience in both B2B underwriting (B2C is a plus)
• Strong analytical thinking and comfort working with financial data and structured decision-making
• High attention to detail and strong sense of responsibility in execution
• Reliable, structured, and disciplined working style
• Strong Excel skills
• Comfortable working in fast-paced, high-growth environments
• English (minimum C1 level), fluent German is a plus

Skills

• Excel

Location

• Hybrid

Work Type

• Hybrid
• Trust-based

Experience Level

• 1-3 years

Benefits

• Extra days off for climate activism
• Flexible bonus
• Food provided when office is running (via Wolt)
• Offsites
• Team nights
• "Bees & Beers" events

About the Company

• At Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition.
• We believe finance is the key to accelerating the shift toward a sustainable future.
• Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener.
• We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments.
• Our platform provides the technical and financial foundation to make this happen.
• We’ve recently secured €500 million in funding commitments to green 25,000 households over the next two years.
• Prior to that, we raised two funding rounds backed by several renowned VCs — and we’ve been growing rapidly ever since.

Equal Opportunity

• At Bees & Bears, we place a high value on equal opportunity and are committed to fostering a diverse and inclusive work environment.
• We strive to create a friendly, safe, and welcoming environment for all our employees, regardless of ethnic origin, gender, gender identity and expression, sexual orientation, disability and abilities of any kind, physical appearance, social background, marital status, age, or religion (or lack thereof).
• Even if you don’t meet the requirements 100%, we still encourage you to apply.