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Invest in iwoca

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Start (and end) your day right

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Medium

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Humble

Growth Mindset

iwoca is a fintech company that specializes in providing flexible and accessible small business loans. They offer quick and convenient funding solutions to small and medium-sized enterprises (SMEs) in the United Kingdom and Europe. iwoca's ultimate mission is to empower entrepreneurs and small business owners by providing them with the financial support they need to grow and succeed. Their purpose is to fill the funding gap that traditional banks often overlook, offering accessible and transparent lending options that cater to the specific needs of SMEs. By leveraging technology and data-driven assessments, iwoca aims to simplify the loan application process, make funding more accessible, and support the growth of small businesses, ultimately driving economic prosperity and fostering entrepreneurial success.

Technology

iwoca

FinTech

You have 5-8 years in sales/management in FinTech, strong networking skills, analytical mindset, leadership experience, fluency in German and English, and a growth-oriented, humble attitude.

You will acquire new business partners, optimize efforts, mentor your team, analyze data for decisions, and create market momentum while adapting value propositions to meet lead segment needs.

Sales & Business Development

Business, Operations & Strategy

Frankfurt

Team Lead Partner Acquisition (m/w/d), German speaking Location: Frankfurt, Berlin - Germany * Full Time About Iwoca Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service Team Lead Partner Acquisition - Who we’re looking for In brief - you have at least 5-8 years work experience in a commercial role (Sales, Key Account Management) and gained first leadership experience in the FinTech Industry, Financial Services or Business Services. You’re passionate about winning new partners and delivering real results; you’re able to quickly cut through noise and identify solutions and key priorities and take pride in guiding a team in our mission to substantially grow our partner base in the coming years. You will thrive on the challenge of unlocking the potential of finance for small and medium businesses through partnerships. The role This is one of the most central and important positions and part of the sales & leadership team within iwoca Deutschland, as you’ll be holistically responsible for the acquisition of new business partners, like banks, online-platforms and brokers, and a key market stakeholder for our product-market fit. You will be responsible for winning new partners in our indirect distribution channels such as our high-profile strategic partnerships including large E-Commerce platforms, and our network of more than 1000 independent brokers. Together with your team, you will develop in-depth knowledge of the needs of each lead segment, adjust our value proposition accordingly and create market momentum for iwoca. You will guide your capable and motivated team to pursue opportunities and optimize existing efforts without the need for micromanagement - you are the coach, coordinator, and mentor for them. You need to bring hard skills, experience, resilience and a passion for collaboration and leadership. Beyond that, we’ll of course equip you with everything you need to be effective in your role - a deep understanding of iwoca, our products, processes, business model and unit economics, as well as the knowledge and structures we’ve already built in our success path so far. You’ll be an important member of iwoca’s Customer Acquisition and Partnership Management Team and reporting into our Head of Business Development. Once you’ve found your bearings, here are some of the things you’ll do: * You’re able to think in a structured and strategic way, you are able to plan forward by ‘working backwards’, you are able to disentangle big problems into small ones and solve them one by one * You’re great at selling, you’re a fantastic networker with strong communication skills * You’ve got an analytical mind and you have no problems working with data - you’ll need to make impactful decisions based on this * You lead by example and are able to inspire others with your skillset, your drive, your grit, your ways of working, your management style and your down-to-earthness * You’re smart - able, perceptive, nimble, sharp, proactive, you give due attention to details, you start by asking ‘why?’ * You’re humble - willing to help others, non-hierarchical, non-boastful, a team player, critical of yourself and not just of others, you’re accountable, not arrogant, you’re willing to accept criticism, open to being wrong. * You’re motivated - enthusiastic, keen, highly engaged, excited to join iwoca * You have a growth mindset - you seek continuous improvement, always pushing yourself to be even better than you are today * You are a fluent German speaker with a high level of written and spoken English Some things we expect from you: * You’re able to think in a structured and strategic way, you are able to plan forward by ‘working backwards’, you are able to disentangle big problems into small ones and solve them one by one * You’re great at selling, you’re a fantastic networker with strong communication skills * You’ve got an analytical mind and you have no problems working with data - you’ll need to make impactful decisions based on this * You lead by example and are able to inspire others with your skillset, your drive, your grit, your ways of working, your management style and your down-to-earthness * You’re smart - able, perceptive, nimble, sharp, proactive, you give due attention to details, you start by asking ‘why?’ * You’re humble - willing to help others, non-hierarchical, non-boastful, a team player, critical of yourself and not just of others, you’re accountable, not arrogant, you’re willing to accept criticism, open to being wrong. * You’re motivated - enthusiastic, keen, highly engaged, excited to join iwoca * You have a growth mindset - you seek continuous improvement, always pushing yourself to be even better than you are today * You are a fluent German speaker with a high level of written and spoken English Benefits: * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. * Access to the gym membership program * Exclusive participation in the daily commute * Our home is in a nice office in the heart of the big city. In Frankfurt in the center of the City at “Fressgass”, our Berlin office is located centrally next to Hackescher Markt * Company-wide training courses with internal and external speakers * 26 days of vacation a year plus a free day for your birthday * One-month fully paid sabbatical after 4 years * Share options * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day. Compensation Range: €75K - €110K

Team Lead Partner Acquisition (m/w/d), German speakingLocation: Frankfurt, Berlin - Germany * Full Time      About IwocaFast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer serviceTeam Lead Partner Acquisition - Who we’re looking forIn brief - you have at least 5-8 years work experience in a commercial role (Sales, Key Account Management) and gained first leadership experience in the FinTech Industry, Financial Services or Business Services. You’re passionate about winning new partners and delivering real results; you’re able to quickly cut through noise and identify solutions and key priorities and take pride in guiding a team in our mission to substantially grow our partner base in the coming years. You will thrive on the challenge of unlocking the potential of finance for small and medium businesses through partnerships.The roleThis is one of the most central and important positions and part of the sales & leadership team within iwoca Deutschland, as you’ll be holistically responsible for the acquisition of new business partners, like banks, online-platforms and brokers, and a key market stakeholder for our product-market fit.You will be responsible for winning new partners in our indirect distribution channels such as our high-profile strategic partnerships including large E-Commerce platforms, and our network of more than 1000 independent brokers. Together with your team, you will develop in-depth knowledge of the needs of each lead segment, adjust our value proposition accordingly and create market momentum for iwoca. You will guide your capable and motivated team to pursue opportunities and optimize existing efforts without the need for micromanagement - you are the coach, coordinator, and mentor for them.You need to bring hard skills, experience, resilience and a passion for collaboration and leadership. Beyond that, we’ll of course equip you with everything you need to be effective in your role - a deep understanding of iwoca, our products, processes, business model and unit economics, as well as the knowledge and structures we’ve already built in our success path so far.You’ll be an important member of iwoca’s Customer Acquisition and Partnership Management Team and reporting into our Head of Business Development.Once you’ve found your bearings, here are some of the things you’ll do: * You’re able to think in a structured and strategic way, you are able to plan forward by ‘working backwards’, you are able to disentangle big problems into small ones and solve them one by one * You’re great at selling, you’re a fantastic networker with strong communication skills * You’ve got an analytical mind and you have no problems working with data - you’ll need to make impactful decisions based on this * You lead by example and are able to inspire others with your skillset, your drive, your grit, your ways of working, your management style and your down-to-earthness * You’re smart - able, perceptive, nimble, sharp, proactive, you give due attention to details, you start by asking ‘why?’ * You’re humble - willing to help others, non-hierarchical, non-boastful, a team player, critical of yourself and not just of others, you’re accountable, not arrogant, you’re willing to accept criticism, open to being wrong. * You’re motivated - enthusiastic, keen, highly engaged, excited to join iwoca * You have a growth mindset - you seek continuous improvement, always pushing yourself to be even better than you are today * You are a fluent German speaker with a high level of written and spoken English      Some things we expect from you: * You’re able to think in a structured and strategic way, you are able to plan forward by ‘working backwards’, you are able to disentangle big problems into small ones and solve them one by one * You’re great at selling, you’re a fantastic networker with strong communication skills * You’ve got an analytical mind and you have no problems working with data - you’ll need to make impactful decisions based on this * You lead by example and are able to inspire others with your skillset, your drive, your grit, your ways of working, your management style and your down-to-earthness * You’re smart - able, perceptive, nimble, sharp, proactive, you give due attention to details, you start by asking ‘why?’ * You’re humble - willing to help others, non-hierarchical, non-boastful, a team player, critical of yourself and not just of others, you’re accountable, not arrogant, you’re willing to accept criticism, open to being wrong. * You’re motivated - enthusiastic, keen, highly engaged, excited to join iwoca * You have a growth mindset - you seek continuous improvement, always pushing yourself to be even better than you are today * You are a fluent German speaker with a high level of written and spoken English      Benefits: * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. * Access to the gym membership program * Exclusive participation in the daily commute * Our home is in a nice office in the heart of the big city. In Frankfurt in the center of the City at “Fressgass”, our Berlin office is located centrally next to Hackescher Markt * Company-wide training courses with internal and external speakers * 26 days of vacation a year plus a free day for your birthday * One-month fully paid sabbatical after 4 years * Share options * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.      Compensation Range: €75K - €110K

Team Lead - Partner Acquisition - iwoca

&lt;strong&gt;Team Lead Partner Acquisition (m/w/d), German speaking&lt;br&gt;&lt;br&gt;&lt;/strong&gt;Location: Frankfurt, Berlin - Germany&lt;br&gt;&lt;br&gt;&lt;ul&gt;&lt;li&gt; Full Time&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;&lt;strong&gt;About Iwoca&lt;br&gt;&lt;br&gt;&lt;/strong&gt;Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.&lt;br&gt;&lt;br&gt;We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service&lt;br&gt;&lt;br&gt;&lt;strong&gt;Team Lead Partner Acquisition - Who we’re looking for&lt;br&gt;&lt;br&gt;&lt;/strong&gt;In brief - you have at least 5-8 years work experience in a commercial role (Sales, Key Account Management) and gained first leadership experience in the FinTech Industry, Financial Services or Business Services. You’re passionate about winning new partners and delivering real results; you’re able to quickly cut through noise and identify solutions and key priorities and take pride in guiding a team in our mission to substantially grow our partner base in the coming years. You will thrive on the challenge of unlocking the potential of finance for small and medium businesses through partnerships.&lt;br&gt;&lt;br&gt;&lt;strong&gt;The role&lt;br&gt;&lt;br&gt;&lt;/strong&gt;This is one of the most central and important positions and part of the sales &amp;amp; leadership team within iwoca Deutschland, as you’ll be holistically responsible for the acquisition of new business partners, like banks, online-platforms and brokers, and a key market stakeholder for our product-market fit.&lt;br&gt;&lt;br&gt;You will be responsible for winning new partners in our indirect distribution channels such as our high-profile strategic partnerships including large E-Commerce platforms, and our network of more than 1000 independent brokers. Together with your team, you will develop in-depth knowledge of the needs of each lead segment, adjust our value proposition accordingly and create market momentum for iwoca. You will guide your capable and motivated team to pursue opportunities and optimize existing efforts without the need for micromanagement - you are the coach, coordinator, and mentor for them.&lt;br&gt;&lt;br&gt;You need to bring hard skills, experience, resilience and a passion for collaboration and leadership. Beyond that, we’ll of course equip you with everything you need to be effective in your role - a deep understanding of iwoca, our products, processes, business model and unit economics, as well as the knowledge and structures we’ve already built in our success path so far.&lt;br&gt;&lt;br&gt;You’ll be an important member of iwoca’s Customer Acquisition and Partnership Management Team and reporting into our Head of Business Development.&lt;br&gt;&lt;br&gt;&lt;strong&gt;Once you’ve found your bearings, here are some of the things you’ll do:&lt;br&gt;&lt;br&gt;&lt;/strong&gt;&lt;ul&gt;&lt;li&gt; You’re able to think in a structured and strategic way, you are able to plan forward by ‘working backwards’, you are able to disentangle big problems into small ones and solve them one by one&lt;/li&gt;&lt;li&gt;You’re great at selling, you’re a fantastic networker with strong communication skills&lt;/li&gt;&lt;li&gt;You’ve got an analytical mind and you have no problems working with data - you’ll need to make impactful decisions based on this&lt;/li&gt;&lt;li&gt;You lead by example and are able to inspire others with your skillset, your drive, your grit, your ways of working, your management style and your down-to-earthness&lt;/li&gt;&lt;li&gt;You’re smart - able, perceptive, nimble, sharp, proactive, you give due attention to details, you start by asking ‘why?’&lt;/li&gt;&lt;li&gt;You’re humble - willing to help others, non-hierarchical, non-boastful, a team player, critical of yourself and not just of others, you’re accountable, not arrogant, you’re willing to accept criticism, open to being wrong.&lt;/li&gt;&lt;li&gt;You’re motivated - enthusiastic, keen, highly engaged, excited to join iwoca&lt;/li&gt;&lt;li&gt;You have a growth mindset - you seek continuous improvement, always pushing yourself to be even better than you are today&lt;/li&gt;&lt;li&gt;You are a fluent German speaker with a high level of written and spoken English&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;&lt;strong&gt;Some things we expect from you:&lt;br&gt;&lt;br&gt;&lt;/strong&gt;&lt;ul&gt;&lt;li&gt;You’re able to think in a structured and strategic way, you are able to plan forward by ‘working backwards’, you are able to disentangle big problems into small ones and solve them one by one&lt;/li&gt;&lt;li&gt;You’re great at selling, you’re a fantastic networker with strong communication skills&lt;/li&gt;&lt;li&gt;You’ve got an analytical mind and you have no problems working with data - you’ll need to make impactful decisions based on this&lt;/li&gt;&lt;li&gt;You lead by example and are able to inspire others with your skillset, your drive, your grit, your ways of working, your management style and your down-to-earthness&lt;/li&gt;&lt;li&gt;You’re smart - able, perceptive, nimble, sharp, proactive, you give due attention to details, you start by asking ‘why?’&lt;/li&gt;&lt;li&gt;You’re humble - willing to help others, non-hierarchical, non-boastful, a team player, critical of yourself and not just of others, you’re accountable, not arrogant, you’re willing to accept criticism, open to being wrong.&lt;/li&gt;&lt;li&gt;You’re motivated - enthusiastic, keen, highly engaged, excited to join iwoca&lt;/li&gt;&lt;li&gt;You have a growth mindset - you seek continuous improvement, always pushing yourself to be even better than you are today&lt;/li&gt;&lt;li&gt;You are a fluent German speaker with a high level of written and spoken English&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;&lt;strong&gt;Benefits:&lt;br&gt;&lt;br&gt;&lt;/strong&gt;&lt;ul&gt;&lt;li&gt;A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset&lt;/li&gt;&lt;li&gt;iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun.&lt;/li&gt;&lt;li&gt;Access to the gym membership program&lt;/li&gt;&lt;li&gt;Exclusive participation in the daily commute&lt;/li&gt;&lt;li&gt;Our home is in a nice office in the heart of the big city. In Frankfurt in the center of the City at “Fressgass”, our Berlin office is located centrally next to Hackescher Markt &lt;/li&gt;&lt;li&gt;Company-wide training courses with internal and external speakers&lt;/li&gt;&lt;li&gt;26 days of vacation a year plus a free day for your birthday&lt;/li&gt;&lt;li&gt;One-month fully paid sabbatical after 4 years&lt;/li&gt;&lt;li&gt;Share options&lt;/li&gt;&lt;li&gt;A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.&lt;/li&gt;&lt;li&gt;’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;Compensation Range: €75K - €110K

Team Lead - Partner Acquisition

You need a degree in a quantitative field, 7+ years in credit risk, strong analytical skills, experience in data-driven analysis, knowledge of statistical techniques, and German market insight.

You will manage credit risk, set policies, monitor performance, drive improvements to scorecards, support product development, and communicate with investors on loan book performance.

Data

Banking & Finance

Berlin

The Company Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer service The role We are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany. You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation. Within your broad remit, responsibilities include: Being the responsible expert on all things related to credit risk management * driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca’s business plan. * developing credit risk management policies and control frameworks, and actively managing adherence. * Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. * monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. * driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. * Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. * Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. * Communicating with equity and debt investors as required around loan book credit performance. The team: You’ll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca’s broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany. The Requirements * Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. * 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. * Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. * Experience using Python is a plus. * Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. * Excellent communication, stakeholder management, and leadership skills. * Strong commercial instincts. * Experience of the German lending market, SME lending, and German language skills are all beneficial. The salary We expect to pay from €125,000 to €160,000 for this role, But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members. We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services. Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally. The offices We put a lot of effort into making iwoca a brilliant place to work: * Offices in London, Leeds, Berlin and Frankfurt with plenty of drinks and snacks * Events and clubs, like bingo, comedy nights, yoga classes, football, etc. The benefits (depending on your location) * Medical insurance from Vitality, including discounted gym membership. * 25 days’ holiday, an extra day off for your birthday, and the option to buy or sell an additional 5 days of annual leave. * Instant access to emotional and mental health support with our partner, Spill. * Pension and share options. * Generous maternity and paternity leave. * A nursery tax benefit scheme to help you save money. * Paid volunteering day to support your chosen charity. * Unlimited unpaid leave. * One-month fully paid sabbatical after 4 years. * Cycle-to-work scheme and electric car scheme. * Two company retreats a year, we’ve been to France, Italy, Spain and further afield. * Private GP service for you, your partner, and your dependents. And to make sure we all keep learning, we offer: * A learning and development budget for everyone. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse if you want to learn to code.

The CompanyFast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to more than 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe.Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science, and a 5-star customer serviceThe roleWe are looking for an experienced Head of Credit Risk with a strong analytical background, to lead the credit risk function for our lending portfolio in Germany.You will work closely with the Chief Credit Officer, the General Manager for Germany, our data scientists, and teams from across the business to ensure our risk management frameworks, scorecards, and lending strategies are effectively managing credit risk while maximising value creation.Within your broad remit, responsibilities include:Being the responsible expert on all things related to credit risk management * driving informed decision-making to set credit risk appetite appropriately for the economic conditions and iwoca’s business plan. * developing credit risk management policies and control frameworks, and actively managing adherence. * Setting the credit risk agenda aligned to the business strategy, and providing strong leadership to the credit risk team to drive its delivery. * monitoring credit performance on aggregate and by segment. Proactively driving corrective action where required. * driving improvements to credit risk scorecards, associated scoring processes, and data infrastructure. * Providing credit risk expertise to support product development when launching new features, e.g. longer terms, interest only, etc. * Supporting the capital markets team by providing credit risk expertise to ensure funding vehicles are set up to provide sufficient capacity, flexibility, and resilience at an appropriate cost. * Communicating with equity and debt investors as required around loan book credit performance.      The team:You’ll join the Credit Risk team, whose primary focus is managing the credit risk profile of our lending portfolios to support iwoca’s broader business goals and mission. As Head of Credit Risk for Germany you will be a key member of the team focused on the development of our lending business in Germany.The Requirements * Strong analytical background: a degree in Mathematics, Physics, Engineering, or similar quantitative field; or equivalent experience. * 7+ years experience in credit risk and lending strategy optimisation at a traditional or Fintech lender. * Passion for analytical problem-solving, with a strong track record in developing conceptual frameworks and technical execution. This will include the ability to personally conduct data-driven analysis and guide this work through others. * Experience using Python is a plus. * Excellent understanding of the statistical techniques and machine learning methods used in credit risk analysis and modelling. Guiding the work of data scientists is an important part of this role. * Excellent communication, stakeholder management, and leadership skills. * Strong commercial instincts. * Experience of the German lending market, SME lending, and German language skills are all beneficial.      The salaryWe expect to pay from €125,000 to €160,000 for this role, But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.The cultureAt iwoca, we look to hire smart, passionate, humble individuals with a growth mindset. We prioritise a culture of learning, growth, and support, and invest in the professional development of our team members.We value thought and skill diversity, and encourage you to explore new areas of interest to help us innovate and improve our products and services.Our friendly and inclusive environment, combined with our flexible work policies, ensures that you'll have the perfect balance between work and life, empowering you to thrive both personally and professionally.The officesWe put a lot of effort into making iwoca a brilliant place to work: * Offices in London, Leeds, Berlin and Frankfurt with plenty of drinks and snacks * Events and clubs, like bingo, comedy nights, yoga classes, football, etc.      The benefits (depending on your location) * Medical insurance from Vitality, including discounted gym membership. * 25 days’ holiday, an extra day off for your birthday, and the option to buy or sell an additional 5 days of annual leave. * Instant access to emotional and mental health support with our partner, Spill. * Pension and share options. * Generous maternity and paternity leave. * A nursery tax benefit scheme to help you save money. * Paid volunteering day to support your chosen charity. * Unlimited unpaid leave. * One-month fully paid sabbatical after 4 years. * Cycle-to-work scheme and electric car scheme. * Two company retreats a year, we’ve been to France, Italy, Spain and further afield. * Private GP service for you, your partner, and your dependents.      And to make sure we all keep learning, we offer: * A learning and development budget for everyone. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse if you want to learn to code.

Head of Credit Risk Germany - iwoca

Head of Credit Risk Germany

You must be fluent in German and English, able to simplify complex content, possess strong writing skills, have SEO knowledge, and be organized with a proactive attitude.

You will create and edit content for various channels, translate and localize English materials, collaborate with teams, and analyze content performance for optimization.

Customer Relations

Marketing

Wir suchen eine*n Junior Content Marketing Manager*in (m/w/d) für unser Team in Berlin. Unsere Mission ist es, 1 Million kleine Unternehmen zu finanzieren – ein wichtiger Schritt auf dem Weg dahin ist es, kleine Unternehmen von iwoca zu überzeugen. Dafür suchen wir eine*n Junior Content Marketing Manager*in, der/die mit Begeisterung schreibt, überzeugende Texte für unsere Website, unseren Blog und unseren Newsletter erstellt und unsere Social-Media-Kanäle mitgestaltet. Über uns Kleine und mittlere Unternehmen sind das Rückgrat der deutschen Wirtschaft. Doch oft fehlen ihnen die finanziellen Mittel, um ihren Cashflow zu sichern oder Wachstumschancen zu nutzen. Genau hier kommt iwoca ins Spiel: Mit unseren schnellen und flexiblen Finanzierungslösungen helfen wir Unternehmen, ihre Pläne zu verwirklichen. Seit unserer Gründung im Jahr 2012 haben wir bereits über 100.000 Unternehmen mit Milliardenbeträgen unterstützt und uns als eines der führenden Fintech-Unternehmen in Europa etabliert. Unsere Mission? Eine Million kleine und mittlere Unternehmen finanzieren. Unser Angebot ist speziell auf ihre Bedürfnisse zugeschnitten: schnell, einfach und flexibel. Mithilfe modernster Technologie, smarter Datenanalyse und unserem 5-Sterne-Kundenservice machen wir Kredite relevanter und zugänglicher als je zuvor. Auf dem deutschen Markt sind wir der führende digitale Kreditgeber und ein wichtiger Partner für Unternehmen, die Online-Kredite suchen. Um unsere Mission weiter voranzutreiben, wächst unser Team stetig. Deshalb suchen wir eine*n erfahrene*n Junior Content Marketing Manager*in, der*die unser Team verstärkt und gemeinsam mit uns die Finanzierung von KMU revolutioniert. Deine Aufgaben: * Du erstellst und bearbeitest hochwertigen Content für verschiedene Kanäle wie unsere Website, den Blog, E-Mail-Kampagnen und unsere Social-Media-Plattformen. * Du übersetzt englische Inhalte und passt sie gezielt an den deutschen Markt an, um unsere Zielgruppen optimal zu erreichen und den Tone of Voice von iwoca zu treffen. * Du arbeitest eng mit dem Marketing- sowie Design-Team zusammen, damit die Inhalte mit unseren Marketingzielen übereinstimmen. * Du analysierst die Performance der Inhalte und leitest daraus Maßnahmen zur Optimierung ab. Das Wichtigste zu dir: Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu: * Du beherrschst Deutsch auf Muttersprachniveau und hast ein ausgeprägtes Sprachgefühl, mit dem du Texte zielgruppengerecht anpassen kannst. * Du sprichst fließend Englisch. * Du bist in der Lage, komplexe Inhalte verständlich und prägnant für Unternehmer*innen zu formulieren, die wenig Zeit und teilweise keine tiefgehenden Finanzkenntnisse haben. * Du verfügst über ausgezeichnete Fähigkeiten im Schreiben, Editieren und Lektorieren. * Ein Plus: Erfahrung mit SEO-Optimierung sowie entsprechenden SEO-Tools und Content-Management-Systemen (wir nutzen Webflow und Hootsuite). * Du hast ein Talent für Storytelling und exzellente Kommunikationsfähigkeiten. * Du bist gut organisiert, achtest auf Details und kannst mehrere Projekte parallel managen. * Du bringst eine proaktive „Can-Do“-Einstellung mit und übernimmst Verantwortung für deine Aufgaben. Vergütung und Zusatzleistungen: Wir möchten alle unsere Mitarbeiter fair bezahlen. Deshalb führen wir regelmäßig Gehaltsvergleiche durch, die sich an den Marktpreisen orientieren und Ihren steigenden Wert für unser Unternehmen anerkennen. Wir bieten für diese Stelle ein Gehalt von 34.000 € bis € 44.000. Aber wir sind ein flexibles Unternehmen; wenn Du denkst, Du solltest für Deine Erfahrung anders vergütet werden, lass es uns wissen. Deine Benefits: Wir legen Wert auf faire Bezahlung für alle unsere Mitarbeitenden. Deshalb führen wir regelmäßig Gehaltsvergleiche durch, um sicherzustellen, dass sie marktgerecht sind und deinen wachsenden Beitrag zu unserem Erfolg widerspiegeln. Mehr als nur ein Job – das erwartet dich: * Ein spannendes, facettenreiches und forderndes Arbeitsumfeld. * Flache Hierarchien, enge Abstimmung mit unserer Geschäftsleitung und viele Gestaltungs- und Aufstiegsmöglichkeiten. * Ein kluges, lustiges und international vielfältiges Team - gemeinsam vertreten wir über 35 verschiedene Nationalitäten. * Unternehmensweite Trainings mit internen und externen Referenten. * Tolle Büros in den Herzen von London, Berlin und Frankfurt * 26 Urlaubstage pro Jahr, plus gesetzliche Feiertage und einen extra Urlaubstag an Deinem Geburtstag. * “Summer Houses” im Süden Europas und “Winter Houses” in den Alpen, wo wir jeweils eine Woche mit unseren engeren Teams verbringen. * Gut gefüllte Kühlschränke für Frühstück, Lunch oder den kleinen Snack zwischendurch (sowohl gesunde als auch weniger gesunde). * Jeder iwocan wird im Rahmen eines Mitarbeiterbeteiligungsprogrammes am Erfolg von iwoca beteiligt * Ein 1-monatiges, bezahltes Sabbatical nach 4 Jahren bei iwoca. * Nach 7 Jahren Betriebszugehörigkeit feiern wir dein iwocasaur-Jubiläum und Du erhältst 5 zusätzliche Urlaubstage zu deinem Urlaubskontingent * Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp. * Zeit für Freiwilligenarbeit zur Unterstützung einer wohltätigen Organisation. * Unbegrenzter (unbezahlter) Urlaub zum Reisen oder Studieren. * Angebote zum Lernen und Weiterentwickeln, inklusive eines Budgets für Bücher. * Zuschuss zum Deutschlandticket. * Beitrag zur Mitgliedschaft im Fitnessstudio. Compensation Range: €34K - €44K

Wir suchen eine*n Junior Content Marketing Manager*in (m/w/d) für unser Team in Berlin.Unsere Mission ist es, 1 Million kleine Unternehmen zu finanzieren – ein wichtiger Schritt auf dem Weg dahin ist es, kleine Unternehmen von iwoca zu überzeugen. Dafür suchen wir eine*n Junior Content Marketing Manager*in, der/die mit Begeisterung schreibt, überzeugende Texte für unsere Website, unseren Blog und unseren Newsletter erstellt und unsere Social-Media-Kanäle mitgestaltet.Über unsKleine und mittlere Unternehmen sind das Rückgrat der deutschen Wirtschaft. Doch oft fehlen ihnen die finanziellen Mittel, um ihren Cashflow zu sichern oder Wachstumschancen zu nutzen. Genau hier kommt iwoca ins Spiel: Mit unseren schnellen und flexiblen Finanzierungslösungen helfen wir Unternehmen, ihre Pläne zu verwirklichen. Seit unserer Gründung im Jahr 2012 haben wir bereits über 100.000 Unternehmen mit Milliardenbeträgen unterstützt und uns als eines der führenden Fintech-Unternehmen in Europa etabliert.Unsere Mission? Eine Million kleine und mittlere Unternehmen finanzieren. Unser Angebot ist speziell auf ihre Bedürfnisse zugeschnitten: schnell, einfach und flexibel. Mithilfe modernster Technologie, smarter Datenanalyse und unserem 5-Sterne-Kundenservice machen wir Kredite relevanter und zugänglicher als je zuvor. Auf dem deutschen Markt sind wir der führende digitale Kreditgeber und ein wichtiger Partner für Unternehmen, die Online-Kredite suchen.Um unsere Mission weiter voranzutreiben, wächst unser Team stetig. Deshalb suchen wir eine*n erfahrene*n Junior Content Marketing Manager*in, der*die unser Team verstärkt und gemeinsam mit uns die Finanzierung von KMU revolutioniert.Deine Aufgaben: * Du erstellst und bearbeitest hochwertigen Content für verschiedene Kanäle wie unsere Website, den Blog, E-Mail-Kampagnen und unsere Social-Media-Plattformen. * Du übersetzt englische Inhalte und passt sie gezielt an den deutschen Markt an, um unsere Zielgruppen optimal zu erreichen und den Tone of Voice von iwoca zu treffen. * Du arbeitest eng mit dem Marketing- sowie Design-Team zusammen, damit die Inhalte mit unseren Marketingzielen übereinstimmen. * Du analysierst die Performance der Inhalte und leitest daraus Maßnahmen zur Optimierung ab.      Das Wichtigste zu dir:Wir suchen Menschen, die smart, bodenständig und motiviert sind und sich ständig weiterentwickeln wollen. Um in dieser Rolle erfolgreich zu sein, trifft im Idealfall Folgendes auf Dich zu: * Du beherrschst Deutsch auf Muttersprachniveau und hast ein ausgeprägtes Sprachgefühl, mit dem du Texte zielgruppengerecht anpassen kannst. * Du sprichst fließend Englisch. * Du bist in der Lage, komplexe Inhalte verständlich und prägnant für Unternehmer*innen zu formulieren, die wenig Zeit und teilweise keine tiefgehenden Finanzkenntnisse haben. * Du verfügst über ausgezeichnete Fähigkeiten im Schreiben, Editieren und Lektorieren. * Ein Plus: Erfahrung mit SEO-Optimierung sowie entsprechenden SEO-Tools und Content-Management-Systemen (wir nutzen Webflow und Hootsuite). * Du hast ein Talent für Storytelling und exzellente Kommunikationsfähigkeiten. * Du bist gut organisiert, achtest auf Details und kannst mehrere Projekte parallel managen. * Du bringst eine proaktive „Can-Do“-Einstellung mit und übernimmst Verantwortung für deine Aufgaben.      Vergütung und Zusatzleistungen:Wir möchten alle unsere Mitarbeiter fair bezahlen. Deshalb führen wir regelmäßig Gehaltsvergleiche durch, die sich an den Marktpreisen orientieren und Ihren steigenden Wert für unser Unternehmen anerkennen. Wir bieten für diese Stelle ein Gehalt von 34.000 € bis € 44.000. Aber wir sind ein flexibles Unternehmen; wenn Du denkst, Du solltest für Deine Erfahrung anders vergütet werden, lass es uns wissen.Deine Benefits:Wir legen Wert auf faire Bezahlung für alle unsere Mitarbeitenden. Deshalb führen wir regelmäßig Gehaltsvergleiche durch, um sicherzustellen, dass sie marktgerecht sind und deinen wachsenden Beitrag zu unserem Erfolg widerspiegeln.Mehr als nur ein Job – das erwartet dich: * Ein spannendes, facettenreiches und forderndes Arbeitsumfeld. * Flache Hierarchien, enge Abstimmung mit unserer Geschäftsleitung und viele Gestaltungs- und Aufstiegsmöglichkeiten. * Ein kluges, lustiges und international vielfältiges Team - gemeinsam vertreten wir über 35 verschiedene Nationalitäten. * Unternehmensweite Trainings mit internen und externen Referenten. * Tolle Büros in den Herzen von London, Berlin und Frankfurt * 26 Urlaubstage pro Jahr, plus gesetzliche Feiertage und einen extra Urlaubstag an Deinem Geburtstag. * “Summer Houses” im Süden Europas und “Winter Houses” in den Alpen, wo wir jeweils eine Woche mit unseren engeren Teams verbringen. * Gut gefüllte Kühlschränke für Frühstück, Lunch oder den kleinen Snack zwischendurch (sowohl gesunde als auch weniger gesunde). * Jeder iwocan wird im Rahmen eines Mitarbeiterbeteiligungsprogrammes am Erfolg von iwoca beteiligt * Ein 1-monatiges, bezahltes Sabbatical nach 4 Jahren bei iwoca. * Nach 7 Jahren Betriebszugehörigkeit feiern wir dein iwocasaur-Jubiläum und Du erhältst 5 zusätzliche Urlaubstage zu deinem Urlaubskontingent * Direkter Zugang zur Unterstützung von zertifizierten Psycholog*innen mit unserem Partner OpenUp. * Zeit für Freiwilligenarbeit zur Unterstützung einer wohltätigen Organisation. * Unbegrenzter (unbezahlter) Urlaub zum Reisen oder Studieren. * Angebote zum Lernen und Weiterentwickeln, inklusive eines Budgets für Bücher. * Zuschuss zum Deutschlandticket. * Beitrag zur Mitgliedschaft im Fitnessstudio.      Compensation Range: €34K - €44K

Junior Content Marketing Manager*in (m/w/d) - iwoca

Junior Content Marketing Manager*in (m/w/d)

You need 2+ years in SME credit analysis, strong German skills, financial statement interpretation, problem-solving abilities, and excellent communication in a fast-paced environment.

You will assess credit applications, make data-driven decisions, support analysts on complex cases, and collaborate with analytics teams to optimize lending approaches.

We’re looking for a Credit Analyst - German Speaking We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way. About Us Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service. Our culture We’re expanding fast across our offices in London, Leeds, Berlin and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses. Your Mission * To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. * You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes. * You will support other analysts on larger and more complex decisions, which is a key part of our workflow. * Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal. Requirements We look for people who are smart, humble, motivated and who are always looking to improve. You will have: * 2 years + experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany * Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application * Strong German language skills, ideally at native level * The ability to interpret & analyse financial statements * A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment * Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives * An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience. Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home. We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in. The salary We expect to pay from 41.000 EUR - 50.000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. Our Benefits * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset * 26 days of vacation a year plus a free day for your birthday * One-month fully paid sabbatical after 4 years * Share options * Mental health support via OpenUp * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. * Access to the gym membership program, €25 pm for either Fit711 or Urban Sports Club * Exclusive participation in the daily commute, €25 pm to the Deutschlandticket * Our home is in a nice office in the heart of the big city. In Frankfurt in the beautiful Ostend, our London office is located centrally in Fitzrovia * Company-wide training courses with internal and external speakers * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day. For more information: * iwoca benefits & policies: coda.io/d/iwoca-benefits-policies

We’re looking for a Credit Analyst - German SpeakingWe’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.About UsFast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.Our cultureWe’re expanding fast across our offices in London, Leeds, Berlin and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses.Your Mission * To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. * You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes. * You will support other analysts on larger and more complex decisions, which is a key part of our workflow. * Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.      RequirementsWe look for people who are smart, humble, motivated and who are always looking to improve.You will have: * 2 years + experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany * Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application * Strong German language skills, ideally at native level * The ability to interpret & analyse financial statements * A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment * Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives * An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency      Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.The salaryWe expect to pay from 41.000 EUR - 50.000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.Our Benefits * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset * 26 days of vacation a year plus a free day for your birthday * One-month fully paid sabbatical after 4 years * Share options * Mental health support via OpenUp * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. * Access to the gym membership program, €25 pm for either Fit711 or Urban Sports Club * Exclusive participation in the daily commute, €25 pm to the Deutschlandticket * Our home is in a nice office in the heart of the big city. In Frankfurt in the beautiful Ostend, our London office is located centrally in Fitzrovia * Company-wide training courses with internal and external speakers * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.      For more information: * iwoca benefits & policies: coda.io/d/iwoca-benefits-policies

Junior Credit Analyst - iwoca

Junior Credit Analyst

You need 2+ years in SME credit analysis, strong German skills, business acumen, financial statement interpretation, excellent communication, and an analytical mindset for problem-solving.

You will assess credit applications, make autonomous decisions, support complex cases, and collaborate with analytics teams to optimize data-driven lending approaches.

We’re looking for a Credit Analyst - German Speaking We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way. About Us Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service. Our culture We’re expanding fast across our offices in London, Leeds, Berlin and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses. Your Mission * To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. * You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes. * You will support other analysts on larger and more complex decisions, which is a key part of our workflow. * Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal. Requirements We look for people who are smart, humble, motivated and who are always looking to improve. You will have: * 2 years + experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany * Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application * Strong German language skills, ideally at native level * The ability to interpret & analyse financial statements * A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment * Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives * An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience. Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home. We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in. The salary We expect to pay from 46.000 EUR - 55.000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. Our Benefits * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset * 26 days of vacation a year plus a free day for your birthday * One-month fully paid sabbatical after 4 years * Share options * Mental health support via OpenUp * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. * Access to the gym membership program, €25 pm for either Fit711 or Urban Sports Club * Exclusive participation in the daily commute, €25 pm to the Deutschlandticket * Our home is in a nice office in the heart of the big city. In Frankfurt in the beautiful Ostend, our London office is located centrally in Fitzrovia * Company-wide training courses with internal and external speakers * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day. For more information: * iwoca benefits & policies: coda.io/d/iwoca-benefits-policies

We’re looking for a Credit Analyst - German SpeakingWe’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.About UsFast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.Our cultureWe’re expanding fast across our offices in London, Leeds, Berlin and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses.Your Mission * To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. * You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes. * You will support other analysts on larger and more complex decisions, which is a key part of our workflow. * Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.      RequirementsWe look for people who are smart, humble, motivated and who are always looking to improve.You will have: * 2 years + experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany * Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application * Strong German language skills, ideally at native level * The ability to interpret & analyse financial statements * A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment * Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives * An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency      Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.The salaryWe expect to pay from 46.000 EUR - 55.000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.Our Benefits * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset * 26 days of vacation a year plus a free day for your birthday * One-month fully paid sabbatical after 4 years * Share options * Mental health support via OpenUp * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. * Access to the gym membership program, €25 pm for either Fit711 or Urban Sports Club * Exclusive participation in the daily commute, €25 pm to the Deutschlandticket * Our home is in a nice office in the heart of the big city. In Frankfurt in the beautiful Ostend, our London office is located centrally in Fitzrovia * Company-wide training courses with internal and external speakers * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.      For more information: * iwoca benefits & policies: coda.io/d/iwoca-benefits-policies

&lt;strong&gt;We’re looking for a Credit Analyst - German Speaking&lt;br&gt;&lt;br&gt;&lt;/strong&gt;We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way.&lt;br&gt;&lt;br&gt;&lt;strong&gt;About Us&lt;br&gt;&lt;br&gt;&lt;/strong&gt;Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes.&lt;br&gt;&lt;br&gt;We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service.&lt;br&gt;&lt;br&gt;&lt;strong&gt;Our culture &lt;br&gt;&lt;br&gt;&lt;/strong&gt;We’re expanding fast across our offices in London, Leeds, Berlin and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses.&lt;br&gt;&lt;br&gt;&lt;strong&gt;Your Mission&lt;br&gt;&lt;br&gt;&lt;/strong&gt;&lt;ul&gt;&lt;li&gt;To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions.&lt;/li&gt;&lt;li&gt;You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes.&lt;/li&gt;&lt;li&gt;You will support other analysts on larger and more complex decisions, which is a key part of our workflow.&lt;/li&gt;&lt;li&gt;Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal.&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;&lt;strong&gt;Requirements&lt;br&gt;&lt;br&gt;&lt;/strong&gt;We look for people who are smart, humble, motivated and who are always looking to improve.&lt;br&gt;&lt;br&gt;You will have:&lt;br&gt;&lt;br&gt;&lt;ul&gt;&lt;li&gt;2 years + experience in commercial loan underwriting, credit sanctioning or credit analysis within the SME sector in Germany&lt;/li&gt;&lt;li&gt;Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application&lt;/li&gt;&lt;li&gt;Strong German language skills, ideally at native level&lt;/li&gt;&lt;li&gt;The ability to interpret &amp;amp; analyse financial statements&lt;/li&gt;&lt;li&gt;A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment&lt;/li&gt;&lt;li&gt;Excellent communication skills. You will have direct telephone contact with our customers, daily interaction within credit whilst decisioning and regular contact with other teams on cross functional initiatives&lt;/li&gt;&lt;li&gt;An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience.&lt;br&gt;&lt;br&gt;Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home.&lt;br&gt;&lt;br&gt;We want to make iwoca a place where everyone feels welcome, where you can confidently be yourself. We understand that inclusivity, and diversity that comes through greater inclusivity, isn't an optional add-on; it's the core ingredient of what makes us great. We care about making iwoca a healthy and happy community for all of our team members to thrive in.&lt;br&gt;&lt;br&gt;&lt;strong&gt;The salary&lt;br&gt;&lt;br&gt;&lt;/strong&gt;We expect to pay from 46.000 EUR - 55.000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.&lt;br&gt;&lt;br&gt;&lt;strong&gt;Our Benefits&lt;br&gt;&lt;br&gt;&lt;/strong&gt;&lt;ul&gt;&lt;li&gt;A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset&lt;/li&gt;&lt;li&gt;26 days of vacation a year plus a free day for your birthday&lt;/li&gt;&lt;li&gt;One-month fully paid sabbatical after 4 years&lt;/li&gt;&lt;li&gt;Share options&lt;/li&gt;&lt;li&gt;Mental health support via OpenUp&lt;/li&gt;&lt;li&gt;iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun.&lt;/li&gt;&lt;li&gt;Access to the gym membership program, €25 pm for either Fit711 or Urban Sports Club&lt;/li&gt;&lt;li&gt;Exclusive participation in the daily commute, €25 pm to the Deutschlandticket&lt;/li&gt;&lt;li&gt;Our home is in a nice office in the heart of the big city. In Frankfurt in the beautiful Ostend, our London office is located centrally in Fitzrovia&lt;/li&gt;&lt;li&gt;Company-wide training courses with internal and external speakers&lt;/li&gt;&lt;li&gt;A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice.&lt;/li&gt;&lt;li&gt;’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day.&lt;br&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;For more information:&lt;br&gt;&lt;br&gt;&lt;ul&gt;&lt;li&gt;iwoca benefits &amp;amp; policies: coda.io/d/iwoca-benefits-policies&lt;/li&gt;&lt;/ul&gt;