Stellenbeschreibung
Intro 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 Closing 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!