(Senior) Credit Analyst (m/f/x)

As a (Senior) Credit Analyst at FINN, your main responsibilities include overseeing credit management and performing risk assessments for our key partners in the used vehicle remarketing space. You will collaborate with various teams to refine risk assessment models and improve operational efficiencies while managing relationships with external partners such as insurance companies and credit agencies.

To be considered for the (Senior) Credit Analyst position at FINN, candidates should have a minimum of three years of experience in underwriting and credit risk analysis. A solid understanding of financial statements and credit assessments is essential, and experience within the automotive industry is a plus. Fluency in German and strong English language skills are also required.

The role of a (Senior) Credit Analyst at FINN directly impacts the company’s success by ensuring strong risk management practices. By assessing the creditworthiness of partners and refining risk assessment models, you enable our fleet financing strategies to thrive while supporting operational excellence and strategic initiatives across the company.

FINN offers tremendous growth potential for the (Senior) Credit Analyst role. You'll have the chance to work on challenging projects in a dynamic startup environment, collaborate with cross-functional teams, and develop your expertise in risk management as you help shape FINN's operational strategies.

At FINN, a (Senior) Credit Analyst can expect an excellent salary, virtual shares in the company, a personal development budget of €1,500, flexible working hours, childcare support, and access to discounted fitness memberships. These benefits are designed to promote work-life balance and support employee well-being.

Certainly! In my previous roles, I've conducted extensive credit risk analysis by evaluating financial statements and identifying potential risk factors. This practice is crucial as it helps mitigate financial losses for the company, ensuring stability and confidence in our external partnerships.

I prioritize tasks by assessing deadlines, project impact, and stakeholder needs. I find it beneficial to create a detailed timeline and breakdown of tasks to ensure that I’m meeting all project demands efficiently while maintaining quality.

To analyze a partner's financial health, I review key financial indicators such as profitability ratios, liquidity ratios, and cash flow statements. I also look at industry benchmarks and economic indicators to get a comprehensive view of their financial standing.

In my last role, I identified a bottleneck in our risk assessment process. By introducing a new software tool to streamline data collection and analysis, I reduced processing time by 30%, which significantly improved our efficiency and allowed quicker decision-making.

I believe in open communication and collaboration. When disagreements arise, I facilitate discussions to understand different perspectives, emphasizing a solution-oriented approach to reconcile differences and achieve a common goal.

Technology plays a significant role in enhancing accuracy and efficiency in credit assessments. I leverage data analytics tools to analyze credit data and automate routine tasks, enabling more informed decisions and reducing manual errors.

I stay informed about the latest credit regulations and ensure compliance by developing detailed policies and procedures that align with legal requirements. Regular training and audits also help maintain compliance across the organization.

I foresee challenges related to evolving regulations and increased competition in the automotive sector. Adapting to new technology and customer expectations will also require us to innovate continuously to mitigate risks effectively.

I would actively participate in initiatives that promote diversity, such as mentoring programs and inclusive recruitment processes. Creating an open dialogue about diversity at all levels of the team is essential for fostering an inclusive environment.

I am drawn to FINN because of its innovative approach to the automotive market and commitment to sustainability. The opportunity to work in a dynamic startup environment where I can apply my skills and contribute to meaningful change is very appealing.