VEXCASH AG is Germany’s leading online credit provider for short-term loans, trusted by over 500,000 customers. Our mission is to deliver fast, flexible financial solutions without long-term commitments. We foster an inclusive, innovative culture and are committed to diversity and equal opportunity.
Tasks
We are seeking a Risk Manager to join our team. This fully remote role is open to candidates based in near-CET time zone. You will play a key role in risk management, underwriting, scoring, risk reporting, fraud prevention, and risk-adjusted pricing for our growing fintech business.
Key Responsibilities
* Lead credit risk analysis, including underwriting, scoring, and risk-adjusted pricing strategies
* Develop, monitor, and update scorecard models using statistical tools; assess performance and stability of variables, define new segments, and set credit decision strategies
* Integrate and optimize external risk management and fraud prevention tools
* Design, improve, and automate risk reporting; develop new reports from scratch as needed
* Monitor key risk KPIs at segment and portfolio level and deliver actionable insights to management
* Conduct ad-hoc analyses and prepare reports for top management
* Test and validate risk measures in internal systems; ensure compliance with internal and external requirements
* Collaborate with cross-functional teams (e.g., Product, IT, Data) to assess the impact of product and pricing changes on risk
* Stay current with industry best practices and regulatory requirements in consumer credit risk
Requirements
* Bachelor’s or master’s degree in mathematics, statistics, IT, finance, or a related field
* Minimum 3 years of experience in risk management and data analysis, ideally in the financial sector (banking or financial services)
* Proven experience managing consumer credit portfolios at portfolio level
* Strong skills in building predictive models and handling large datasets
* Advanced proficiency in SQL/MySQL and Python (required); experience with R, VBA, SAS, Tableau is a plus
* Strong analytical, problem-solving, and communication skills
* Ability to work independently, reliably, and with meticulous attention to detail in a remote environment
* Fluent in English; German language skills are an advantage
Benefits
* Competitive remuneration
* 100% remote work with flexible hours (CET core hours preferred)
* International, inclusive, and supportive team culture
* Opportunities for professional development and further training
Please send your CV (and, if available, a brief cover letter or project portfolio). We comply with GDPR and treat all applications confidentially.
If you are motivated to shape the future of digital lending and thrive in a dynamic, remote-first environment, we look forward to hearing from you!