Senior Credit Analytic Manager (d/f/m) at Solaris

Solaris is a tech company with a full German banking license. Our Banking-as-a-Service platform enables businesses to offer their own financial products. With our straightforward APIs, our partners can access and integrate a wide range of solutions such as digital banking, payments, cards, identification and lending services. As a market leader we are driven by bringing transformational change to the financial services industry.

We love what we do and we love our team. We are 700+ people from over 70 nationalities - a unique blend of techies, fintech enthusiasts, bankers and entrepreneurs from various industries. Our routines are built around genuinely valuing and exchanging different perspectives as well as actively sharing knowledge as we drive our business as a team. We believe and invest in personal growth.

Your Role 

• Risk Modelling in Own and drive credit risk model development, validation, and reporting with respect to Automatic underwriting (Decision Engine), Loan loss provisioning (IFRS 9) and Credit cycle process enhancement.
• Support Head of Credit, e.g. for Risk Committee, Run regular credit portfolio reports , Co-prepare regular qualitative portfolio review with action proposals to keep credit risk exposure within risk appetite.
• Credit Risk Governance - Improve Credit Risk process automation data driven , Implement/keep adequate analytic governance/documentation, support conceptual consistency of credit processes, credit model and credit portfolio management.
• Regular review and updates of applicable procedures
• Responsible for closing audit findings in the respective focus area.
• Train CRM and Solaris staff on credit risk principles.
• Project related tasks, e.g. development of new loan product.

We'd love to see

Depending on your level of experience, your responsibilities and scope of role will range. We don’t care much about fancy titles, but rather about real personal and professional development, as laid out in our learning framework. Let’s figure together out how you can contribute to our team.

Hard skills:

• Detailed description of the specific technical competencies’ employees learns through school or on-the-job training.
• A University degree or a comparable qualification, ideally with focus on mathematics, physics, economics, econometrics, banking business administration or similar
• 5 + years of relevant work experience in credit risk management in a bank or financial institution.
• At least 4 years of experience in transferring data-driven results into operational processes and decision making with focus on credit management (e.g. LLP/IFRS9)
• Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring
• Experience in advanced excel, SQL, Python, Tableau and/or excel, SQL, Python, Tableau and/or HTML.
• Credit Bureaus knowledge and Experience regulatory requirements for respective focus area would be a plus
• German speaking would be a plus. 

Soft Skills:

• Hands-on and “driving the change”-mindset.
• Reliable, solution-oriented, independent working method. 
• Used to working under pressure / on tight deadlines. 
• Stakeholder management for multiple tasks and good communication skills. 
• Passionate about Credit and always wanted to improve “old fashioned” processes end-to-end with new approaches and technology. 

Benefits 

• Home office budget
• Learning & Development budget
• Transparent framework to support your career goals
• Competitive salary

While job ads usually paint an ideal picture of a candidate, studies show that most applicants meet an average of 60% of the criteria. Unfortunately, many promising candidates tend to apply only if they meet all the criteria. So if you think you have what it takes, but don't necessarily meet every single item in the job description, please contact us anyway. We'd love to talk with you and find out if you might be a good fit for us.

At Solaris, we are committed to nurturing an inclusive environment, where all Solarians feel valued, respected and supported. We are dedicated to building a diverse workforce that reflects the diversity of our communities. We are committed to equal employment opportunity regardless of color, ethnicity, religion, sex, origin, disability, marital status, citizenship, or gender identity. We are proud to be an equal opportunity workplace. If you have a disability or special need that requires accommodation, please let us know.

Information on data processing:

DE: https://www.solarisgroup.com/gdpr_notice_de
EN: https://www.solarisgroup.com/gdpr_notice_en

To all recruitment agencies: Solaris does not accept unsolicited agency resumes. Please do not forward resumes to our jobs alias, Solaris employees or any other venture in our ecosystem. Solaris is not responsible for any fees related to unsolicited resumes.