Credit Risk Manager (f/m/d)

Solaris is Europe's leading embedded finance platform. Solaris’ full German banking license and proprietary modular B2B tech stack empowers its partners – from SMEs to large, multinational, non-financial companies – to offer compliant, customer-centric banking services, providing seamless experiences to customers across all industries. Founded in 2016, Solaris pioneered the Banking-as-a-Service market with an unparalleled combination of tech and banking. Solaris is headquartered in Berlin and employs 300 people in Europe.

Your Role

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.

We'd love to see

Depending on your level of experience, your responsibilities and scope of role will range. We don’t care much about fancy titles, but rather about real personal and professional development, as laid out in our learning framework. Let’s figure together out how you can contribute to our team.

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 of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring

Experience in regulatory requirements for respective focus area

it would be a great advantage if you gained experience in advanced excel, Python, Tableau and/or HTML

You are fluent in English to engage with all international team members within the company. German communication skills are a strong advantage.

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 expect you to demonstrate comfort with AI-assisted workflows and a willingness to continuously develop their AI capabilities as the technology evolves.

What 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.

While job ads usually paint an ideal picture of a candidate, studies show that most applicants meet an average of 60% of the criteria. Unfortunately, many promising candidates tend to apply only if they meet all the criteria. So 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.

Information on data processing:

DE: https://www.solarisgroup.com/gdpr_notice_de

EN: https://www.solarisgroup.com/gdpr_notice_en