Banxware is Europe’s leading embedded finance provider, empowering platforms to offer tailored lending solutions to small and medium-sized businesses (SMEs). We partner with a wide range of platforms where SMEs generate revenue, including payment and POS providers, eCommerce marketplaces, and shop software vendors. Additionally, we collaborate with platforms aggregating multiple SMEs, such as neo banks, logistics providers, cash management platforms, and more. Our innovative solutions are trusted by top-tier companies like Qonto, Deutsche Bank (FYRST), Agicap, and JustEat Takeaway (Lieferando). From day one, we’ve operated on an international scale, and we’re proud to embrace a global mindset in everything we do.
Your mission
Work closely together with our team of underwriters and analysts
Manage our SME loan portfolio and monitor risk levels
Develop and implement risk management strategies, working both conceptually and hands-on when needed
Comfortable in driving creditworthiness assessments based on different criteria, including quantitative and qualitative analyses on financial, ratings, scores and firmographic information
Give insights and support our quantitative and data team to develop new features for our Scoring Models
Collaborate with our product and business development teams to develop new loan products.
Involved in relations and comms with external stakeholders, including bank partners, data providers and credit bureaus
Your profile
Bachelor’s or Master’s degree in Business, Finance, Economics, or a related field with analytical focus
Experience in credit risk management, ideally in SME or retail lending would be a plus
Strong understanding of quantitative and qualitative underwriting, credit risk and portfolio management
Proven experience in understanding and implementing risk management strategies and policies
Strong analytical and problem-solving skills
Willingness to work pragmatically and hands-on
Fluency in English and good knowledge of German, mainly of financial terminology
Fintech experience would be a plus
SQL knowledge is not necessary but definitely a plus
Our offer
An attractive base salary.
Participation in our virtual Share Options Program.
Fresh coffee and snacks in the office.
Pet-friendly office.
Company & team events for a strong team feeling.
Direct collaboration with our C-Level.
You belong with us
We are currently a team of more than 30 employees from over 10 nations and are big fans of diversity. At Banxware, everyone is accepted, included, and celebrated, regardless of sexual orientation, cultural background, gender, religion, physical abilities, or lack of any of these.
We actively encourage women to apply: Our co-founder Miriam is a role model in this regard.
Place of work
This is a Berlin-based position.
We apply a 2-day-per-week office attendance policy.
Please apply with your CV to c.moir@annapurnarecruitment.com
