Credit Underwriter Germany

Interested in shaping smarter lending decisions for German SMEs? Then this could be your next step! As we expand our fintech lending platform into Germany, we’re looking for a Credit Underwriter to help support responsible, data-driven lending decisions. You’ll work with modern tools, collaborate with international colleagues, and play a key role in building our German lending operations. 

You’ll be working for Floryn, one of the fastest-growing fintech lenders in the Netherlands, now expanding into Germany. With our proprietary technology and data-driven approach, we make business lending fast, transparent and flexible for SMEs. Curious? Keep on reading to find out more! 

Your role

As a Credit Underwriter in Germany, you will play a key role in assessing credit applications and supporting responsible lending decisions for German SMEs. Instead of relying on traditional financial statements, we work with bank transaction data, automated models and modern digital tools to assess risk quickly and accurately. This way, we can make faster lending decisions for SMEs. Our underwriting process is designed to be highly efficient and data-driven, allowing you to review multiple cases fast throughout the day in a dynamic environment.

What you’ll do

• Assess SME credit applications up to €2.5 million

• Analyse bank transactions, risk model output, cashflow data and financial statements

• Identify potential credit and fraud risks

• Work towards full automation of our credit decision process, while deciding on credit applications that are not eligible for an automated journey 

• Collaborate closely with the commercial team on client cases

• Contribute to improving underwriting processes and risk models

• Share insights and experience from the German market with our product and data teams

Location & travel

This is a remote-first role, and you can be based anywhere in Germany. Approximately twice a month, you’ll join colleagues at our headquarters in Den Bosch (Netherlands) for team days or collaboration sessions. 

We organise everything to make your trips to Den Bosch comfortable:

• Travel costs fully reimbursed

• High-quality hotel next to our office

• Dinner and breakfast included

This way you can stay connected to the team while enjoying the flexibility of remote work.