Credit Risk Manager

Solaris is hiring a Credit Risk Manager in Frankfurt to shape how credit decisions are made across one of Europe's most advanced embedded finance platforms. This full-time, on-site role blends hands-on underwriting with portfolio strategy and the modernization of credit processes through smarter technology.

About the Role

As Credit Risk Manager at Solaris in Frankfurt, you will own the full lifecycle of credit decisioning — from structuring and approving complex transactions to steering portfolio risk and helping evolve automated decision logic. You will work closely with international colleagues to keep credit exposure within agreed risk appetite while championing more efficient, technology-driven ways of working.

Key Responsibilities

• Structure, evaluate, and approve complex credit transactions in line with the Operational Handbook (OHB) and external regulatory requirements.
• Continuously improve the credit approval workflow and maintain robust manual credit file management, reviewing files to keep risk profiles current.
• Contribute to the technical criteria behind the Decision Engine and ensure underwriting principles stay consistent across manual and automated channels.
• Produce regular qualitative portfolio reviews with actionable recommendations, and run ad-hoc assessments to address emerging risks.
• Oversee partner activities around dunning, workout, and collections to confirm alignment with risk standards.
• Resolve audit findings, lead underwriting training for CRM and Solaris teams, and drive projects such as launching new loan products.

Qualifications

• University degree, ideally in economics, business administration, banking, or a comparable field.
• 3+ years of relevant credit risk management experience within a bank or financial institution.
• Knowledge of credit loan products, loan documentation, process design, credit structuring, and applicable regulatory frameworks.
• Advantageous skills in advanced Excel, Python, Tableau, and/or HTML.
• Fluent English for collaboration with international teams; German is a strong plus.
• A proactive, solution-focused, and independent approach, comfortable with tight deadlines and managing multiple stakeholders.
• Genuine enthusiasm for credit and for replacing outdated processes with modern, end-to-end approaches.
• Confidence working with AI tools, evaluating their outputs critically, and supporting responsible AI adoption.

About Solaris

Founded in 2016 and headquartered in Berlin, Solaris is a leading European embedded finance platform. With a full German banking license and a modular B2B technology stack, Solaris enables partners ranging from SMEs to large multinationals to deliver compliant, customer-centric banking experiences. Solaris is proud to be an equal opportunity workplace committed to an inclusive, diverse environment, and welcomes applicants even if they don't meet every listed criterion.

How to Apply

To apply, complete your application directly on this page, or you'll be redirected to the employer's application platform to finish submitting there.