Credit Risk Manager (f/m/d)

Solaris is Europe's leading embedded finance platform. Solaris’ full German banking license and proprietary modular B2B tech stack empowers its partners – from SMEs to large, multinational, non-financial companies – to offer compliant, customer-centric banking services, providing seamless experiences to customers across all industries. Founded in 2016, Solaris pioneered the Banking-as-a-Service market with an unparalleled combination of tech and banking. Solaris is headquartered in Berlin and employs 300 people in Europe.

• Define and refine the structure of complex credit transactions.
• Assess and approve credit transactions, ensuring full compliance with the OHB (Operational Handbook) and external regulatory frameworks.
• Continuously perform, optimize, and maintain the credit approval process to enhance efficiency and accuracy.
• Establish and maintain manual credit file management systems.
• Conduct regular reviews and updates of credit files to reflect current risk profiles.

• Assist in setting and refining the technical criteria for the Decision Engine.
• Align the conceptual consistency of underwriting principles across both manual and automated channels.

• Prepare regular qualitative portfolio reviews accompanied by action proposals to maintain credit risk exposure within established risk appetite levels.
• Execute ad-hoc assessments as required to mitigate emerging risks.
• Monitor partnership team activities specifically regarding dunning, workout, and collection actions to ensure alignment with risk standards.

• Take responsibility for closing audit findings within the respective focus areas.
• Lead training initiatives for CRM and Solaris staff on core underwriting principles.
• Drive project-related tasks, including the development and launch of new loan products.

Depending on your level of experience, your responsibilities and scope of role will range. We don’t care much about fancy titles, but rather about real personal and professional development, as laid out in our learning framework. Let’s figure together out how you can contribute to our team.

• A university degree, ideally with a focus on economics, business administration, banking or a comparable qualification.
• 3 + years of relevant work experience in credit risk management in a bank or financial institution
• Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring
• Experience in regulatory requirements for respective focus area
• it would be a great advantage if you gained experience in advanced excel, Python, Tableau and/or HTML
• You are fluent in English to engage with all international team members within the company. German communication skills are a strong advantage.
• Hands-on and “driving the change”-mindset
• Reliable, solution-oriented, independent working method
• Used to working under pressure / on tight deadlines
• Stakeholder management for multiple tasks and good communication skills
• Passionate about Credit and always wanted to improve “old fashioned” processes end-to-end with new approaches and technology
• Comfortable working with AI tools, thinking critically about AI outputs, and contributing to a culture of responsible AI use. We expect you to demonstrate comfort with AI-assisted workflows and a willingness to continuously develop their AI capabilities as the technology evolves.