(Senior) Credit Risk Manager - LMM (m/f/d) at Pliant | BE, DE | Rezi

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

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

Pliant · BE, DE

4 days ago

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

Pliant · BE, DE

4 days ago
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About the Role

As a (Senior) Credit Risk Manager, you will be responsible for the credit risk assessment of EEA and UK SME and corporate clients, owning a book of large credit exposures. You will be involved in continuously improving standards, documentation, and the tech stack, working closely with various internal teams.

Responsibilities

  • Perform due diligence to assess customers, their business models, and financial profiles.
  • Analyze customer financial information, identify risks and mitigants, and conclude on credit decisions.
  • Make decisions on customer limit requests within delegated authority to build and maintain a performing loan book.
  • Own and monitor high-limit customers and groups, tracking their development and risk profiles for the credit risk committee.
  • Systematize business problems and design smart solutions, contributing to scalable and compliant straight-through processes, including AI utilization.
  • Facilitate smooth and fact-based information flow between colleagues, fostering a culture of open dialogue and mutual respect.

Requirements

  • Minimum 7 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.
  • Experience with large corporations and structuring deals is beneficial.
  • Previous exposure to open banking data is a plus.
  • Analytical thinking, detail orientation, and ability to quickly understand new problems and systems.
  • Experience with tools for loan processing, credit decisioning, and BI.
  • Project management skills and ability to design and steer complex projects end to end.
  • Determination and desire to work in a team to achieve high-quality results under stress.
  • Fluent English with very good writing skills.
  • Other European languages are a plus.

Skills

  • Credit risk assessment
  • Accounting principles
  • Financial analysis
  • Analytical thinking
  • Detail orientation
  • Problem-solving
  • System understanding
  • Loan processing tools
  • Credit decisioning tools
  • BI tools
  • Project management
  • Communication
  • Open banking data (plus)

Location

  • Berlin
  • Remote

Work Type

  • Remote

Experience Level

  • Senior

Benefits

  • Attractive remuneration
  • Flat hierarchy and transparent communication
  • Opportunity to develop talent
  • Flexibility and possibility to work remotely
  • Pliant Card with monthly credit

About the Company

  • Pliant is a modular B2B payments platform combining commercial card issuing, payment accounts, FX, and spend management.
  • Businesses use Pliant to manage complex payment workflows with cards, backed by credit lines Pliant underwrites itself.
  • Fintechs and software platforms embed Pliant's payment infrastructure into their own products.
  • Banks use Pliant's Card & Spend OS on their own infrastructure.
  • Founded in 2020 and headquartered in Berlin, Pliant serves 5,000+ businesses and 40+ partners across Europe and the United States.
  • A principal member of Visa and Mastercard, Pliant issues commercial cards in 13 currencies across 32 countries.

Equal Opportunity

  • Pliant is an equal opportunity employer.
  • We welcome applications from people of all backgrounds, identities and abilities, and are committed to an inclusive hiring process.
  • If you need any accommodations during the interview process, please let us know.