Solaris is a tech company with a full German banking license. Our Banking-as-a-Service platform enables businesses to offer their own financial products. With our straightforward APIs, our partners can access and integrate a wide range of solutions such as digital banking, payments, cards, identification and lending services. As a market leader we are driven by bringing transformational change to the financial services industry.
We love what we do and we love our team. We are 500+ people from over 70 nationalities - a unique blend of techies, fintech enthusiasts, bankers and entrepreneurs from various industries. Our routines are built around genuinely valuing and exchanging different perspectives as well as actively sharing knowledge as we drive our business as a team. We believe and invest in personal growth.
Your Role
- Manual Underwriting
- Structure of credit transactions.
- Assessing and approving credit transactions in line with OHB and external regulatory framework.
- Perform, optimize and maintain the credit approval process.
- Setup and maintain (manual) credit file management.
- Review/update credit files regularly.
- Automated Underwriting
- Assist in setting criteria for Decision Engine.
- Align conceptual consistency of underwriting principles.
- Credit Portfolio Steering
- Prepare regular qualitative portfolio review with action proposals to keep credit risk exposure within risk appetite.
- Run ad-hoc assessment to keep credit risk exposure within risk appetite.
- Monitor partnership team actions regarding dunning, workout, collection actions.
- Responsible for closing audit findings in the respective focus area.
- Train CRM and Solaris staff on underwriting principles.
- Project related tasks, e.g. development 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.
- Educational degree, ideally with a focus on economics, business administration, banking or a comparable qualification.
- 5 + years of relevant work experience in credit risk management in a bank or financial institution.
- At least 2 years of experience in credit underwriting.
- 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.
- Experience in advanced excel, Python, Tableau and/or HTML is a strong advantage.
- Fluent English language skills. German language skills is a plus.
- 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.
Working Model
- You’re based in Berlin, or willing to commute to Berlin for few days every month for stakeholders collaboration, team projects, etc.
Benefits
- 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.
At Solaris, we are 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. We are proud to be an equal opportunity workplace. If you have a disability or special need that requires accommodation, please let us know.Information on data processing:
DE: https://www.solarisgroup.com/gdpr_notice_de
EN: https://www.solarisgroup.com/gdpr_notice_en
To all recruitment agencies: Solaris does not accept unsolicited agency resumes. Please do not forward resumes to our jobs alias, Solaris employees or any other venture in our ecosystem. Solaris is not responsible for any fees related to unsolicited resumes.