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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.