Credit Officer

Dedicated to powering entrepreneurs, Qred is a profitable, fast-growing fintech scale-up bank. In just 10 years, we've grown from a startup to hitting 1 billion SEK in annual revenue supporting over 50,000 entrepreneurs and helping create 10,000+ jobs every year. We combine smart tech with real-world experience to make funding simple, fast, and fair for entrepreneurs who need it most. With strong backing, a flat organization, and bold growth plans, we're now looking for a German Speaking Credit Officer to join us and shape the future of small business owners.

About The Role
As a Credit Officer, you will play an important role in managing and making decisions on large and complex credits in our seven different markets. This role involves conducting ad-hoc analyses, monitoring the overall loan and card portfolio, and contributing to compliance and credit-focused projects. The Credit Officer acts as a support function for our country-specific Underwriters, providing expert guidance and feedback on credit-related tasks. You'll also be responsible for educating and updating underwriters on Qred's procedures and closely monitoring the progress and quality of credit decisions. In this role, you will work in close collaboration with the other Credit Officers, and report directly to our Credit Officer Manager.

Responsibilities

• Support country-specific functions in decisions regarding large and/or complex credits per the credit policy, with a focus on our German market.
• Alert country-specific teams to additional information that may be needed to make well-founded decisions
• Identify areas for improvement within our assessment strategies
• Drive internal and external projects to improve Credit decisions
• Extract data from our database to analyze, evaluate trends, and perform controls
• Contribute feedback to develop our automated services, primarily our Qred Scoring Algorithm (QSA)

Requirements

• At least 2 years of relevant work experience
• Bachelor's Degree in Finance, Economics, Business Administration, or comparable experience within the required field
• Strong understanding of financial documentation like profit and loss statements and annual reports
• Basic understanding of accounting principles
• Proficiency in Underwriting
• Fluent in English and German, both written and spoken
• Excel skills (formula creation and ad-hoc analysis of exported data)

Skills and competencies that will make you stand out from the rest

• Experience in the German or Austrian credit/financial market
• Proficiency in Dutch, Swedish, French, or Finnish
• Project management experience
• SQL skills

Why join us?
This is a unique opportunity to join a growing fintech company that is redefining financial services for small businesses in Northern Europe. You'll work with a passionate and innovative team, participating in creating an environment where employees thrive and contribute to a shared vision of success.

One last thing
This is a full-time, permanent position based in Stockholm. Don't wait to send in your application, we are reviewing applications on a rolling basis. While the start date is flexible, the right candidate can join us immediately.

Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law.
Qred is an international FinTech scale-up that specializes in digital financing solutions for small businesses, with operations in the Nordics, Benelux, Germany and Brazil. We are passionate about helping small businesses thrive and grow, by providing them with business loans and credit cards. Right now we're in an exciting phase of our journey that focuses on growth through smart product development and technology fueled by international expansion.