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

The role

You will take ownership of the credit risk framework and act as an independent risk partner. You will perform credit risk analysis, manage reporting infrastructure, and oversee portfolio monitoring and provisioning.

What you will do

• Perform independent credit risk analysis of counterparties and transactions.
• Architect and maintain reporting infrastructure using Looker, Mambu, and Google Sheets.
• Create risk dashboards and reporting to influence senior management strategic steering.
• Maintain oversight of credit developments and identify sector concentrations.
• Manage loan loss provisioning processes in accordance with IFRS 9 and ECL frameworks.
• Ensure adherence to internal risk limits and external regulatory requirements.
• Lead or participate in initiatives to improve data quality and enhance systems.
• Act as a partner to Front Office, Finance, and Risk Controlling teams.

Required qualifications

• 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.
• Ability to assess transactional credit risk including business models, financial covenants, collateral, and legal documentation.
• Strong working knowledge of IFRS 9 concepts (staging, ECL) and European regulatory frameworks (CRR, Basel III/IV, MaRisk).
• High personal resilience and comfort navigating a fast-paced, forming fintech environment.
• Self-directed approach to identifying deteriorating risk profiles and portfolio concentrations.
• Skilled at managing risk data using Looker, Mambu, and Google Sheets.
• Ability to navigate complex stakeholder dynamics and hold firm on risk decisions under pressure.
• English is the primary working language.

Nice to have

• FRM or CFA designation
• Knowledge of programming skills (Python/SQL)
• Knowledge of BI tools (Tableau/Power BI)

Benefits

• Employee Development Budget of €2,000 and four full training days per year.
• Flexible working hours
• Home office
• 30 vacation days
• Company pension scheme supported with 20%
• Subsidized Urban Sports Club membership of more than €20 per month
• Subsidized Deutschland Ticket of €25 per month
• JobRad bike leasing with tax savings and covered monthly insurance costs
• Snacks, daily fresh fruit and drinks provided at the office
• Relocation support may be available

About the company

Raisin is a FinTech platform for savings and investment products that connects consumers with banks in the EU, the UK and the US. The company employs more than 800 people from over 75 countries.