(Senior) Credit Risk Manager (m/f/d)

About the Position

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK, and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.

The Raisin Group Credit Risk Management team is part of the second line of defense and is responsible for the oversight of credit risks across Raisin’s commercial, treasury, and financial counterparties. While Raisin does not engage in traditional lending, we are exposed to credit risk through receivables, guarantees, investments, and other contractual obligations.

We are seeking a Senior Credit Risk Manager to join our team in Berlin, Frankfurt a. M., Hamburg, or Munich.

Responsibilities

As our Credit Risk Manager, you will take full ownership of our credit risk framework, operating as a hands-on builder and independent risk partner. Your key responsibilities will include:

• Credit Analysis: Perform independent credit risk analysis of counterparties and transactions (corporates, financial institutions, sovereigns), evaluating financials, business models, and structures.
• Infrastructure & Data Ownership: Architect and maintain your own reporting infrastructure using Looker, Mambu, and Google Sheets, ensuring high data quality across all risk processes.
• Strategic Risk Steering: Drive data-driven decision-making by creating insightful risk dashboards and reporting that directly influence senior management’s strategic steering.
• Proactive Portfolio Monitoring: Maintain strict oversight of credit developments, identifying sector concentrations and deteriorating risk profiles to facilitate proactive risk mitigation.
• Provisioning & Forecasting: Manage loan loss provisioning processes in accordance with IFRS 9 and ECL frameworks, including staging assessments and qualitative overlays.
• Regulatory Compliance: Ensure strict adherence to internal risk limits and external regulatory requirements (e.g., CRR, MaRisk, Basel III/IV).
• Project Management: Lead or participate in initiatives to improve data quality, enhance systems, and validate models, driving the modernization of our risk infrastructure.
• Cross-Functional Partnership: Act as a partner to the Front Office, Finance, and Risk Controlling teams, providing expert guidance on credit risk topics while balancing business growth objectives with robust risk management frameworks.

Requirements

• Professional Background: University degree in Finance, Economics, Business Administration, or a related discipline. Professional certifications such as FRM or CFA are a plus.
• Experience: 5+ years of experience in credit risk analysis, risk controlling, or credit structuring within banking or financial services.
• Analytical Competence: Proven ability to assess transactional credit risk, including business models, financial covenants, collateral, and legal documentation.
• Regulatory Knowledge: Strong working knowledge of IFRS 9 concepts (staging, ECL) and European regulatory frameworks (CRR, Basel III/IV, MaRisk).
• Operational Resilience: High personal resilience and comfort navigating a fast-paced, forming fintech environment.
• Proactive Mindset: Highly self-directed approach to identifying deteriorating risk profiles and portfolio concentrations.
• Technical Proficiency: Skilled at managing risk data using Looker, Mambu, and Google Sheets. Knowledge of programming skills (Python/SQL) and BI tools (Tableau/Power BI) is a definite asset.
• Communication & Influence: Proven ability to navigate complex stakeholder dynamics and effectively bridge the gap between the first and second lines of defense.
• Language: Primary working language is English; no German language proficiency is required.

We Offer

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours, home office, and 30 vacation days.
• A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
• Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
• Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs.
• Hungry all the time? Snacks, daily fresh fruit, as well as drinks provided at the office.
• You are moving from another country or city to join us? We may support your relocation.

About the Company

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.

We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.

Join our mission, join our team – and grow with us!

---

Raisin Applicant Privacy Policy