Credit Risk Analyst (on-site)

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  "active_status": "active"
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{
  "id": "2513908",
  "name": "Credit Risk Analyst (on-site)",
  "office": "Berlin",
  "keywords": [],
  "schedule": "full-time",
  "createdAt": "2026-01-30T13:23:17+00:00",
  "seniority": "entry-level",
  "department": "Finance",
  "occupation": "risk_management",
  "subcompany": null,
  "employmentType": "permanent",
  "jobDescriptions": [
    {
      "name": "Your role",
      "value": "<p style=\"text-align:justify;\">Cloover is enabling €100M+ in financing across five European markets — and the credit risk function is what makes that possible without compromising on quality. We're looking for a Credit Risk Analyst to own credit decisioning, KYC processes, installer onboarding, and portfolio monitoring end-to-end. This is a role at the intersection of risk and growth: you're not just checking boxes — you're shaping the standards that determine how fast and how safely we scale.</p><p style=\"text-align:justify;\">This is a hands-on role with a clear path to senior ownership as we grow. If you want direct exposure to credit risk in a high-growth fintech reshaping renewable energy financing across Europe, this is your seat.</p><p style=\"text-align:justify;\">You'll report to our <strong>Co-Founder & CFO</strong> and work closely with senior management from day one.</p>"
    },
    {
      "name": "Your mission",
      "value": "<p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Credit & KYC:</span></p><ul style=\"margin-top:0;margin-bottom:0;\"><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Execute and continuously refine consumer credit assessments using company financials and bureau data.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Continuously improve underwriting criteria through both process and technology enhancements, flag edge cases to the Head of Risk, and ensure every decision is defensible, documented, and aligned with our risk appetite.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Set and monitor exposure limits per partner based on financial health and performance metrics, and coordinate site visits, sample testing, and periodic reviews to maintain partner quality.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Run full KYB, AML and anti-fraud screening on installer partners: UBO verification, credit checks, and ongoing compliance monitoring.</span><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><br><br></span></p></li></ul><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Portfolio monitoring, modelling and risk management technology:</span></p><ul style=\"margin-top:0;margin-bottom:0;\"><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Build and maintain portfolio monitoring dashboards tracking credit quality, concentration risk, and early warning signals — the analytical backbone of the risk function.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Build and support native technologies that help the underwriting team manage risk.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Build and refine risk models that support underwriting decisions and portfolio management as the book scales.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Analyse trends across regions, installers, and customer segments to identify emerging risks before they become portfolio events.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:justify;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Prepare risk reporting for internal stakeholders and support covenant monitoring across our financing vehicles.</span></p></li></ul>"
    },
    {
      "name": "Your profile",
      "value": "<p style=\"text-align:justify;\">We care more about how you think and what you've built than where you've been. Here's what will set you up for success in this role:</p><ul><li><br><ul style=\"margin-top:0;margin-bottom:0;\"><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">2–3 years of relevant experience in a credit risk decisioning role — financial analysis, underwriting, and portfolio management.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Bachelor's degree minimum in Finance, Economics, Business, or a related field.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">AI-literate for the development and maintenance of in-house technologies for risk management.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Excel power user — comfortable building models from scratch and analysing large datasets without needing a template to start from.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Flags concerns and challenges assumptions before they become problems — doesn't wait to be asked.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Works with precision in a fast-moving environment: detail-oriented without being slow, rigorous without being rigid.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Fluent in English and German — both required, given our markets and counterparties.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;text-align:left;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Based in Berlin and energised by being in the room. We're intentionally office-first — decisions get made in real time, risk calls get stress-tested over lunch, and the founding team is ten metres away. If that's how you thrive, you'll feel at home here.</span><br><br><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><u>Nice to have — but not required:</u></span></p><ul style=\"margin-top:0;margin-bottom:0;\"><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Experience with BI tools such as Metabase, Power BI, or Tableau, or credit decisioning platforms.</span></p></li><li style=\"list-style-type:disc;font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\"><p style=\"line-height:1.38;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:11pt;font-family:Arial, sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;text-decoration:none;\">Programming skills in Python or R.</span></p></li></ul></li></ul></li></ul><div style=\"text-align:justify;\"><br></div><p style=\"text-align:justify;\"><strong>Don't meet every requirement?</strong> Apply anyway. We hire for potential and perspective — credentials are a starting point, not a ceiling.</p>"
    },
    {
      "name": "How we hire",
      "value": "<p style=\"text-align:justify;\">We keep things transparent and respect your time. Most go from first call to offer in under three weeks.</p><ul><li style=\"text-align:justify;\"><strong>Intro call</strong> (30 min) — We want to understand what you're looking for, not just screen your CV.</li><li style=\"text-align:justify;\"><strong>Hiring manager interview</strong> (30 min) — We go deep: your experience, your thinking, how you approach problems.</li><li style=\"text-align:justify;\"><strong>Case study</strong> (1 hour) — You get the brief in advance. We care about your approach — not whether you land on the right answer.</li><li style=\"text-align:justify;\"><strong>Offer & signed contract.</strong></li></ul><p style=\"text-align:justify;\">Need any adjustments at any stage? Just let us know.</p>"
    },
    {
      "name": "Why us?",
      "value": "<ul><li><strong>Performance pay.</strong> Strong base, bonus tied to outcomes, and meaningful equity — recognised when it happens, not locked behind annual cycles.</li><li><strong>AI-native & unthrottled.</strong> Unlimited enterprise-grade AI — no caps, no approval process. Every role, every team. The grunt work disappears so you can focus on what actually requires human judgement.</li><li><strong>Real ownership on a real mission.</strong> From day one you're shaping decisions that impact thousands of installers. We're not just building software — we're powering the energy transition across Europe.</li><li><strong>Grow faster than anywhere else.</strong> You'll work directly alongside the founding team and world-class investors. If you're building toward your own venture one day, there's no better room to be in.</li><li><strong>The basics, done well. </strong>Prenzlauer Berg office with the latest Apple hardware. Free breakfast and dinner, stocked kitchen, regular team events, 25 days vacation, Urban Sports Club (M), company discounts, a fully covered Deutschlandticket, and a free monthly base fee on Cloover's own green power tariff</li></ul>"
    }
  ],
  "occupationCategory": "accounting_and_finance",
  "recruitingCategory": "FTE"
}