Credit Risk Manager (f/m/d)
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Job description
About the Position
Credit Risk Manager (f/m/d)
Solaris, Europe's leading embedded finance platform, is headquartered in Berlin and employs 300 people across Europe. We empower our partners to offer compliant, customer-centric banking services. We are currently seeking a Credit Risk Manager to join our team in Frankfurt.
Responsibilities
Manual Underwriting Operations
- Define and refine the structure of complex credit transactions.
- Assess and approve credit transactions, ensuring full compliance with the OHB (Operational Handbook) and external regulatory frameworks.
- Continuously perform, optimize, and maintain the credit approval process to enhance efficiency and accuracy.
- Establish and maintain manual credit file management systems.
- Conduct regular reviews and updates of credit files to reflect current risk profiles.
Automatic Underwriting & Logic
- Assist in setting and refining the technical criteria for the Decision Engine.
- Align the conceptual consistency of underwriting principles across both manual and automated channels.
Credit Portfolio Steering
- Prepare regular qualitative portfolio reviews accompanied by action proposals to maintain credit risk exposure within established risk appetite levels.
- Execute ad-hoc assessments as required to mitigate emerging risks.
- Monitor partnership team activities specifically regarding dunning, workout, and collection actions to ensure alignment with risk standards.
Strategic Projects & Compliance
- Take responsibility for closing audit findings within the respective focus areas.
- Lead training initiatives for CRM and Solaris staff on core underwriting principles.
- Drive project-related tasks, including the development and launch of new loan products.
Requirements
- A university degree, ideally with a focus on economics, business administration, banking, or a comparable qualification.
- 3+ years of relevant work experience in credit risk management in a bank or financial institution.
- Experience with financial products, process setup, loan documentation, credit risk management, and credit structuring.
- Experience in regulatory requirements for the respective focus area.
- Advanced skills in Excel, Python, Tableau, and/or HTML are a great advantage.
- Fluency in English and German.
- 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.
- Comfortable working with AI tools, thinking critically about AI outputs, and contributing to a culture of responsible AI use.
We Offer
- Competitive salary and a variable remuneration program.
- Home office budget.
- Learning & development budget of €1000 per year and a transparent growth framework to support your career goals.
- Monthly meal allowance.
- Deutschland ticket subsidy.
- 28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris.
- Opportunity to work abroad for up to 12 weeks per year.
About the Company
Solaris is 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.
Salary
The annual gross salary range for this position is:
€58.000 - €85.000 EUR
Application
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.
While job ads usually paint an ideal picture of a candidate, studies show that most applicants meet an average of 60% of the criteria.
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