Junior Risk Analyst; w​/m​/d – Credit Risk; w​/m​/d

Risk Analyst – Credit Risk

As a Risk Analyst – Credit Risk, you will play a central role in assessing and managing credit and default risks. You will analyze the creditworthiness of customers, debtors, and entire financing engagements, thereby laying the foundation for informed business decisions. In close collaboration with the sales, operations, and financial controlling departments, you will ensure that risks are identified early, evaluated transparently, and managed practically.

You will combine analytical thinking with a good understanding of business contexts. This position is for individuals who take responsibility, work data-driven, and actively contribute to the sustainable growth of the company.

Your tasks include:

• Conducting credit and risk analyses as part of the initial and ongoing assessment of customers, debtors, and financing engagements
• Evaluating credit, default, and financial risks at both the individual and portfolio levels
• Monitoring existing risk positions and developing appropriate action recommendations for risk management
• Creating, analyzing, and further developing risk reports, management information, key figures, and presentations
• Supporting the optimization of methods, models, and processes in risk controlling
• Working closely with the sales, operations, and financial controlling departments and coordinating relevant interfaces
• Actively shaping and continuously improving risk, monitoring, and decision-making processes
• Contributing to an efficient, transparent, and future-oriented risk culture within the company

Your success will be measured by:

• The quality and traceability of your risk analyses
• Reliable decision-making bases for the market and management
• Structured, timely risk reporting
• Positive feedback from internal stakeholders
• The development of efficient and practical risk processes

This role is ideal for you if you:

• Enjoy working with numbers, analyses, and credit decisions
• Want to consider risks holistically (financially, structurally, and regulatory)
• Prefer working at the intersection of business and risk
• Want to take responsibility and have your assessments make an impact
• Are looking to develop professionally in the risk and credit environment

You should bring:

• A completed degree in banking, business law, finance, STEM, or banking training
• Proficient use of BI tools and SQL
• Analytical, structured, and solution-oriented working style
• Experience in assessing credit risks or in risk management within a financial institution
• Knowledge of regulatory requirements, particularly Ma Risk
• Very good German skills (C1/C2) and good English skills (C1)

Nice-to-haves:

• Experience in the financial services or Fin Tech sector
• Experience with data-driven analysis or reporting systems
• Interest in the further development of risk models or methods

Why we?

• A professionally challenging role with real influence on business decisions
• Close proximity to the business rather than an isolated risk function
• Scope for shaping analyses, methods, and processes
• Hybrid working:
  Karlsruhe, remote, or hybrid
• Market-competitive compensation
• Short decision-making paths and direct collaboration with market and executive board
• Professional development opportunities in the risk and credit environment