Senior Credit Underwriter

Job Description

The Senior Credit Underwriter has an unrelenting desire to up-end finance decision-making in Europe. They will be a part of the Financial Services Underwriting team that helps support various business teams by leveraging third-party data pools and our own proprietary systems to make credit decision from individual consumer leasing or finance agreements through to large commercial transactions.

You will sit at the epicenter of our underwriting capabilities, collaborating directly with business teams and technical program and developers to streamline and simplify decisioning in a systemic, automated, and scalable way.

Job Responsibilities

• Credit Decisioning: Analyze and decision credit applications — includes leveraging bureaus, bank statements, and external databases—identifying risk in a high-volume environment
• Process Innovation: Leverage your manual decisioning experience to identify patterns and drive the transition toward fully automated, scalable decision logic
• System Development: Translate underwriting strategy into data requirements; work closely with technical program teams and developers to build and operationalize automated decision flows
• Scalability: Assist in designing underwriting process and decisioning rules for new markets and segments, ensuring processes are built for rapid growth
• Optimization: Identify opportunities for internal process optimization and operational efficiency gains to improve the quality and speed of decisions
• Regulatory position: Hold a regulatory position in the German regulated leasing entity

Job Requirements

• Experience: Credit underwriting experience is essential
• System Mindset: Demonstrated ability to translate credit policy into logic that can be used by developers; experience transitioning manual workflows into automated systems
• Language: Fluency in English is a must while business fluency in German is a plus
• Regulatory knowledge: Experience from working in or with regulated finance entities and familiarity with how a finance regulator works and the regulations and rules that they enforce. Strong benefit from having held a regulatory position in a German finance company previously
• Data Proficiency: Strong ability to interpret complex data sets and identify non-traditional risk indicators
• Agility: Proven track record of operating in fast-paced environments where processes are constantly evolving and scaling
• Collaboration: Strong ability to build working relationships with cross-functional teams (Engineering, Product, Sales) to operationalize improvement