Senior Credit Risk Underwriter (German market) (m/f/d)

Ferratum is a leading international provider of mobile financial services, building an online financial ecosystem that transcends the hassle of physical banking and financial transactions into a paperless and borderless real-time experience for our customers.

We provide innovative mobile banking, as well as digital consumer and small business loans, all distributed and managed by mobile devices. Founded in 2005 and headquartered in Helsinki, Finland, today we operate in 23 markets across Europe, Africa, South and North America, Australia and Asia. Ferratum Group is listed on the Prime Standard of Frankfurt Stock Exchange under symbol ’FRU’.

For our global Risk Team, we are looking for a Senior Credit Risk Underwriter (m/f/x) based in Germany.

Responsibilities

• Underwriting consumer loans for German market, ideally for Prime segment
• Analyze lending product portfolio on the credit risk perspective and look for profitable sales opportunities;
• Support future risk management strategy and products offering with relevant analysis and insights;
• Conduct projects related to data gathering and data pilots;
• Document and suggest changes to policy rules and credit scoring strategy;
• Work with large complex data sources such as financial transactions, credit bureau reports, marketing responses and CRM activity to extract meaning.
• Suggest and implement improvements to internal reporting systems and KPIs.
• Proactively provide data-driven insights and custom reports on critical areas of the business.
• Responsible for monitoring and managing assumed Credit Losses.
• Support launch of new products
• Partner closely with local data providers

Skills And Experience

• Suitable education (BSc/MSc/PhD in Statistics, Mathematics, Engineering, Economics, Sciences or the equivalent).
• 10+ years of work experience related to credit risk management for installment loans and credit cards
• 2+ years in Credit Underlying for German consumer loans
• Deep understanding and familiarity with credit bureau data in Germany, especially Schufa
• Strong SQL, Excel and data visualization skills; comfort communicating complex analyses.
• Both spoken and written communication skills with experience of adapting your style and approach to the audience and message to be delivered.
• Achieved targets and met expectations whilst supporting and encouraging others to do the same.
• Experience of making timely and rational decisions, based on relevant information and experience, backed up by data.
• Working experience in an international environment

We offer:

• The opportunity to work in a dynamically international evolving company;
• Opportunities for growth, realization of own ideas and further training;
• Professional and attentive environment;
• Other company benefits (home office models, learning & development platform, ect.)

Benefits:

• Competitive salary
• Opportunity to join share matching plan
• Remote workout classes
• Learning opportunities and financial support for certifications
• International team

Why join Ferratum?

We actively strive to create the right environment and provide the right tools for our employees to enjoy their work and to thrive.

Joining Ferratum you will:

• Feel that we believe in the development of our employees through training, education and by providing conditions which lead to increased productivity, motivation, performance and engagement
• Join a fast and growing international finance company
• Enjoy a friendly and collaborative atmosphere with supportive teams in a fun startup-like culture
• Be offered a competitive salary, benefit packages and other additional perks
• Have fun at work