Senior Credit Risk Manager, Pliant
SME
Digital corporate credit card solutions
Be an early applicant
Digital corporate credit card solutions
101-200 employees
Be an early applicant
101-200 employees
Company mission
To empower businesses to grow by providing a smart payment option that grows with their business.
Role
Who you are
- 3-6 years of operational experience in risk assessment for corporate customers or SMEs from a bank or fintech
- Strong knowledge of accounting principles and industry-specific financial analysis. Previous exposure to open banking data is a plus
- Analytical thinking, detail orientation and ability to quickly understand new problems and systems and work out solutions
- Experience with IT systems used for loan processing and credit decisioning
- Project management skills and demonstrated ability to design and steer complex projects end to end
- Determination and desire to work in a team to achieve high-quality results for our customers, even under stress
- Fluent English with very good writing skills. Other European languages are a plus
What the job involves
- As a (Senior) Credit Risk Manager - SME (m/f/d) you will be responsible for the underwriting credit risk exposures to our European and UK SME and corporate clients
- In addition to case processing, you will support us in continuously improving our underwriting standards and systems
- You will work closely with George, our Lead Risk Strategist, and colleagues from the Sales, Legal, Operations, Product and Risk teams
- Due diligence: Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are
- Underwriting: Analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants and conclude
- Credit decision: Decide on limit requests of our customers within your delegated authority and help us build a performing loan book
- Risk ownership: You own multiple high-limit customers and groups of customers, know them inside out, follow their development over time, and monitor their risk profiles that you regularly present to the credit risk committee
- Innovation: You get to the heart of complex operational workflows and IT systems, understand how to systematize, and continuously improve them together with your colleagues
- Communication: You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results
Salary benchmarks
Our take
The corporate credit card industry, historically dominated by giants like AmEx, has seen rapid disruption and growth over recent years. An influx of VC investment boosted smaller outfits like Divvy and Brex Inc. to multi-billion dollar operations, and this has cracked open the market to a host of smaller fintech startups.
Pliant is a German company entering the scene, but it’s a competitive one. It's hoping to stand out by prioritising seamless software integrations, competitive cashback, and a new optional feature offsetting travel-related CO2 emissions. The latter is incredibly novel and has undoubtedly won the company some press in an increasingly sustainability-oriented climate.
Plaint’s offering of both physical and digital cards, as well as its suite of advantages and services have enabled the company to be highly adaptable within the growing payments market. The company has, thus far, entered seven additional European markets and expanded its customer portfolio sixfold. Following successful funding rounds, Pliant is set to further expand operations and its business reach.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
233% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Apr 2025
$41.3m
SERIES B
Apr 2024
$21.1m
SERIES A
Total funding: $123.4m
Company benefits
- Home office and remote work
- Flexible working hours
- Mobility discount
- Budget for professional development and training
- Railcard
- Monthly food allowance
- Gympass
- Weekly mindfulness sessions
- Team events
Company HQ
Kollwitzkiez, Berlin, Germany
Leadership
Fabian Turner
(CPO/COO)Previously the Head of Operations at Lendico, and went on to serve as CPO at FinCompare.
Malte Rau
(CEO)Previously a Portfolio Manager and Head of Fintech Investments at Global Growth Cap, they then went on to found Geldspeicher GmbH.
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