Junior Credit Analyst

Responsibilities

• Assess credit applications using various data sources and the tech platform
• Make fast, fair, and accurate credit decisions
• Exercise autonomy in decisioning with increasing scope over time
• Support other analysts on complex decisions
• Work with analytics teams to optimize lending approaches and data-driven decisioning

Requirements

• Proficiency in using AI tools to solve problems and increase productivity
• Knowledge of foundational finance and accounting principles
• Strong business acumen and understanding of risk and revenue drivers
• Ability to interpret and analyze financial statements
• Excellent communication skills in business English and German
• Analytical mindset with a practical approach to problem solving

Benefits

• 26 days of vacation plus a free day for your birthday
• One-month fully paid sabbatical after 4 years
• Mental health support via OpenUp
• Annual company ski or summer trips
• Gym membership program contribution
• €30 contribution towards the Deutschlandticket
• Learning and development budget, including books and German language learning
• Company pension with Canada Life
• Fully stocked offices with snacks and drinks

About the Company

iwoca provides flexible and responsive finance to SMEs through smart technology and data science. Having funded over 100,000 businesses with more than £4 billion, the mission is to support one million SMEs in their defining moments.