Credit Specialist (German-speaking)

The Credit Specialist (German-speaking) role is designed to ensure seamless and effective underwriting of German consumer loan applications and timely handling of debtors. The main purpose of the role is to:

• Conduct thorough analysis of loan applications, including reviewing bank statements and supporting documents, and making final credit decisions beyond the initial automated process.
• Provide meaningful feedback on potential enhancements to credit policy, based on market experience and observed application trends.
• Ensure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality.

Key responsibilities

• Perform comprehensive loan analysis and underwriting of consumer loan applications. Review supporting documentation such as bank statements, income verifications, and credit bureau data.
• Provide feedback to improve and refine credit policy and underwriting guidelines.
• Support daily debtor management activities, including contacting overdue customers by phone and other channels.
• Monitor repayment behavior and escalate problematic cases when needed.
• Collaborate closely with the customer service team to ensure smooth loan processing and customer support.
• Report to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance.

Qualification & Experience

• Background in financial services, banking, or credit risk management.
• Fluent German language skills (mandatory) – both written and spoken (C1-B2 level). Strong command of English for internal communication.
• Knowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage.
• University degree in finance, economics, business administration, or equivalent (preferred but not mandatory)