German Consumer Loan Credit Specialist

The German Consumer Loan Credit Specialist role is designed to ensure seamless and effective underwriting of German consumer loan applications and timely handling of debtors. The main purpose of the role is to:

• Conduct thorough analysis of loan applications, including reviewing bank statements and supporting documents, and making final credit decisions beyond the initial automated process.
• Provide meaningful feedback on potential enhancements to credit policy, based on market experience and observed application trends.
• Ensure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality.

Key responsibilities:

• Perform comprehensive loan analysis and underwriting of consumer loan applications. Review supporting documentation such as bank statements, income verifications, and credit bureau data.
• Provide feedback to improve and refine credit policy and underwriting guidelines.
• Support daily debtor management activities, including contacting overdue customers by phone and other channels.
• Monitor repayment behavior and escalate problematic cases when needed.
• Collaborate closely with the customer service team to ensure smooth loan processing and customer support.
• Report to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance.

Qualification & Experience:

• Background in financial services, banking, or credit risk management.
• Fluent German language skills (mandatory) – both written and spoken (C1-B2 level). Strong command of English for internal communication.
• Knowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage.
• University degree in finance, economics, business administration, or equivalent (preferred but not mandatory)