(Senior) Credit Risk Manager (m/f/d)
Description
Raisin, the savings and investment marketplace, is hiring a Credit Risk Manager into its second line of defence. Although Raisin does not do traditional lending, it is exposed to credit risk through receivables, guarantees, investments and other contractual obligations, and you would take full ownership of the credit risk framework covering commercial, treasury and financial counterparties. The role combines independent credit analysis of corporates, financial institutions and sovereigns with hands-on ownership of the reporting infrastructure built on Looker, Mambu and Google Sheets. You will manage IFRS 9 and ECL loan loss provisioning, monitor the portfolio for sector concentrations and deteriorating profiles, and ensure adherence to internal limits and regulations such as CRR, MaRisk and Basel III/IV. You will also partner with Front Office, Finance and Risk Controlling and lead projects to modernise the risk infrastructure.
Requirements
- University degree in Finance, Economics, Business Administration or a related discipline.
- 5+ years of experience in credit risk analysis, risk controlling or credit structuring within banking or financial services.
- Proven ability to assess transactional credit risk, including business models, financial covenants, collateral and legal documentation.
- Strong working knowledge of IFRS 9 concepts such as staging and ECL, and of European regulatory frameworks including CRR, Basel III/IV and MaRisk.
- High personal resilience and comfort in a fast-paced, forming fintech environment, including 'change the bank' projects and significant stakeholder pressure.
- Highly self-directed approach to identifying deteriorating risk profiles and portfolio concentrations, taking full ownership with minimal guidance.
- Skilled at managing risk data using Looker, Mambu and Google Sheets.
- Proven ability to navigate complex stakeholder dynamics, hold firm on risk decisions under pressure and bridge the first and second lines of defence.
- English as the primary working language; no German language proficiency is required.
Languages
English
C2 · FluentA1A2B1B2C1C2
Experience Level
InternEntry LevelMid-levelSeniorLeadExecutive
Benefits
Employee development budget of EUR 2,000 and four full training days per year
Flexible working hours, home office and 30 vacation days
Company pension scheme (betriebliche Altersvorsorge) subsidised at 20%
Urban Sports Club membership subsidised with more than EUR 20 per month
Deutschlandticket subsidised with EUR 25 per month
JobRad bike leasing with tax savings and monthly insurance costs covered
Snacks, daily fresh fruit and drinks in the office
Possible relocation support when moving from another country or city
📍 Life in Berlin
👥
Population
3.6M
⭐
Quality of Life
8.0
🇬🇧
English Friendly
9.0
💻
Tech Scene
9.0
🌍
International
10.0
🚇
Public Transport
9.0
🚴
Bikeability
9.0
🌬️
Air Quality
6.0
🌳
Green Spaces
7.0
🚗
Car Free
8.0
ℹ️
About Berlin
- •Creative and tech hub
- •Diverse neighborhoods
- •Excellent public transport
🌤️
Climate
- •Continental climate
- •Cold winters
- •Mild summers
- •Four distinct seasons
❄️Jan: 0°C☀️Jul: 19°C📅Avg: 10°C
☀️1625 sunshine hours/year
🛡️
Safety
- •Generally safe
- •Higher petty crime than Munich
- •Some areas less safe at night
Overall:7.0
🏥
Healthcare
- •Good hospital network
- •Charité is world-renowned
- •Wait times can vary
Quality: 9.0Access: 8.0
🎭
Culture
- •World-class museums
- •Vibrant art scene
- •Rich history
🎉
Nightlife
- •Famous club scene
- •Diverse nightlife
- •24/7 culture
🏞️
Recreation
- •Many parks
- •Lakes
- •Tiergarten
- •Active outdoor scene
💰
Cost of Living
- •More affordable than Munich
- •Prices rising rapidly
- •Still cheaper than many European capitals
🏠 Rent (1BR center):€1231
⚡ Utilities:€220
🛒 Groceries:€280
🍽️ Dining out:€16
Raisin (WeltSparen) is a fintech platform enabling customers to access savings and investment products from banks across Europe. Brokers €60B+ in savings deposits.
Relocation support provided
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€per year
€20k€250k
Your situation in Germany
The default for anyone single, divorced or widowed.
Only changes the church tax rate — 8% in Bavaria and Baden-Württemberg, 9% everywhere else.
Childless employees over 23 pay a higher Pflegeversicherung (care insurance) rate.