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

The role

You will perform credit risk assessment for EEA and UK SME and corporate clients. You will own a book of large credit exposures and work to improve standards, documentation, and the tech stack.

What you will do

• Assess customer business models and financial profiles through due diligence.
• Analyze business and financial information including credit agency reports and financial statements.
• Decide on limit requests within delegated authority.
• Own and monitor risk profiles for multiple high-limit customers and groups.
• Design scalable and compliant straight-through processes using AI capabilities.
• Facilitate smooth and fact-based information flow between colleagues.

Required qualifications

• Minimum 7 years of operational experience in credit risk assessment for EEA or UK corporate or SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry-specific financial analysis.
• Analytical thinking and detail orientation.
• Ability to quickly understand new problems and systems and work out solutions.
• Experience with tools used for loan processing, credit decisioning, and BI.
• Project management skills and ability to design and steer complex projects end to end.
• Determination and desire to work in a team to achieve high-quality results under stress.
• Fluent English with very good writing skills.

Nice to have

• Experience with large corporations and structuring deals
• Previous exposure to open banking data
• Other European languages

Benefits

• Opportunity to work in a growing team with big responsibilities
• Attractive remuneration
• Flat hierarchy and transparent communication
• Opportunity to develop talent in a dynamic team
• Flexibility and possibility to work remotely
• Pliant Card with monthly credit to explore the product and enjoy food with colleagues

About the company

Pliant is a modular B2B payments platform combining commercial card issuing, payment accounts, FX and spend management for businesses and AI agents. Founded in 2020 and headquartered in Berlin, Pliant serves businesses and partners across Europe and North America.