Credit Risk Analyst

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.Credit Risk AnalystEbury Dusseldorf Office - Hybrid: 4 days in the office, 1 day working from home per weekThe Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.You will be expected to prepare submissions and present to our Credit Committee making recommendations, as well as contribute to the development of automated risk modelling and to adapt our processes to local markets.What you’ll do:Support, and report to, the Regional Head of Credit Risk.Undertake ad hoc requests from the Global Head of Credit Risk.Perform detailed credit analysis of prospects and clients for the purpose of granting Supplier Payment Financing and currency trading products, with a focus on financials, operations, and trading cycles.Present and defend your analysis personally at credit committee meetings to senior management.Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly.Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury.Proactively manage your own pipeline of work.Liaising with managers across our other geographies to add insight or assist where necessary.Share your thoughts to improve our processes.The Person:University degree in Accounting, Economics, Finance, Mathematics or similarFluency in German and EnglishAbility to read German management accounts (BWA, SuSa)Experience in understanding how businesses work and perform. Full understanding of balance sheet, P&L and cash flowA background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness.Analytical mind and strong problem-solving skillsDemonstrable strong analytical abilityClear, concise communication style, with the ability to explain complex concepts coherentlyWillingness to work in a highly demanding and result-oriented team environmentWorking knowledge of Excel essential, VBA/Macros desirableWhy Ebury?Competitive Starting Salary with an annual discretionary bonusthat truly rewards your performance from day one.Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.Central Dusseldorf Office: A fantastic location with excellent transport links.Ready to launch your career with a global FinTech? Click the ‘Apply’ Today and discover your potential at Ebury!You can also connect with me on LinkedIn - Fabienne Zigrit#LI-FZ1#LI-HYBRIDAbout usEbury delivers sophisticated, integrated solutions — business accounts, hedging, and financing — on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally. Since its founding in 2009, Ebury has always been a fast-growing leader in fintech. Today, we bring together 2000+ Eburians across nearly 70 cities and we’re always looking to add to our team. At the heart of our offering is a proprietary platform, purpose-built to help businesses seamlessly streamline and manage global cash flow. We focus on continuous product evolution and innovation to build the infrastructure for borderless growth and help our clients scale at every stage. The opportunities at Ebury are as diverse as our people, ranging from business development to engineering roles across our tech pillars.We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.Important Security Notice for Job Applicants:Ebury only accepts applications via official Ebury channels. We will only contact you from an @ebury.com domain. Always check the emails you receive from us, and note that we will never request payment for any part of the recruitment process. Stay safe and report suspicious activity.Notice to Recruitment Agencies and Search Firms:Ebury does not accept unsolicited resumes, CVs, or candidate profiles from recruitment agencies or search firms without signed written Ebury recruitment terms in place for a specific role. Any unsolicited applications will be considered the sole property of Ebury. Ebury will not be responsible or liable for any placement fees or costs associated with unagreed candidate submissions or subsequent hires.AI Transparency Statement:Ebury uses Artificial Intelligence (AI) and automated tools to help streamline certain parts of our recruitment process, however, these tools are strictly for administrative efficiency. All hiring decisions, including application reviews, shortlisting, and final selections are evaluated and conducted by human talent acquisition professionals and hiring managers.