Lead Credit Risk Analyst (m/f/d)

Lead Credit Risk Analyst (m/f/d)

You don’t want an ordinary job. You want to build something that truly matters. Be part of shaping it from day one, move fast and feel your impact. In a startup that doesn’t ask if something is possible – but how fast. Then you’ve come to the right place! ?

At Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.

Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener

What we do:

We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments. Our platform provides the technical and financial foundation to make this happen. In doing so, we’re actively accelerating the energy transition — for households, for our partners, and for the planet.

We’ve recently secured €500 million in funding commitments to green 25,000 households over the next two years. Prior to that, we raised two funding rounds backed by several renowned VCs — and we’ve been growing rapidly ever since.

Your mission as Lead Credit Risk Analyst (m/f/d) is to safeguard and enable the company’s growth by owning and optimizing the B2B underwriting process, making sound and data-driven credit decisions, and closely monitoring the partner portfolio. You play a key role in improving risk models, policies, and decision frameworks while acting as a strategic sparring partner to the Head of Risk. Through strong analytical work, early risk detection, and a high-quality underwriting process, you help ensure sustainable portfolio performance and support the development of a scalable, future-proof risk function.

Tasks & Responsibilities

• Take ownership of the full B2B underwriting process for installer partners, including financial analysis, PSD2 cashflow reviews, credit scoring, exposure limit setting, and continuous performance monitoring.
• Act as a deputy and thought partner to the Head of Risk by supporting strategic and operational initiatives and helping translate the risk strategy into actionable processes. Develop and continuously improve risk models, scorecards, credit policies, and decision frameworks.
• Develop, update, and maintain B2B and B2C credit policies, underwriting instructions, and operational guidelines — ensuring they remain aligned with our risk appetite, regulatory requirements, and banking partner
• Design, enhance, and validate risk models, scorecards, and decision frameworks to enable scalable and data-driven credit decisions
• Conduct detailed partner and portfolio analyses to identify early-warning signals, concentration risks, and improvement opportunities
• Prepare clear, data-driven dashboards and risk reports for management, the board, and external banking partners
• Collaborate closely with Finance and Commercial teams to ensure risk assessments support business objectives
• Contribute to a culture of accountability, strong risk governance, and data-driven decision-making
• Support and guide junior analysts and interns in complex credit assessments.

Requirements & Compet

• Proven B2B credit underwriting experience (must-have)
• B2C underwriting experience is a strong plus
• Strong ability to analyze financial statements and PSD2data
• Strong German language skills (native/C-level)
• Startup / FinTech experience (ideally SME lending, leasing, payments)
• Familiarity with SME and renewable energy sectors
• Data-driven, analytical mindset
• Experience with risk models, underwriting frameworks, and credit scoring
• Ability to communicate complex topics clearly
• Optional: pProgramming skills (Python) are a strong plus
• Nice to have: experience with Taktile or similar decision engines

What we offer

• Guaranteed impact: Every deal your team closes contributes directly to the energy transition and saves at least dozens of tons of CO₂ emissions
• 27 days of paid vacation and unlimited time off for climate activism and demonstrations
• Keep learning — continuously explore the latest climate tech developments, from cutting-edge energy storage solutions to innovative recycling methods or heat recovery from wastewater
• No progress without mistakes. We encourage you to try things out, take ownership, and get hands-on insights across all areas of the startup.
• By day, we’re driving the green transformation — but we make sure to have fun along the way. We’re a close-knit, dynamic team that enjoys regular events and post-work “Bees & Beers” hangouts.

What matters to us:

Sustainability is at the core of everything we do – not only in our product but also in our decisions, processes, and how we work together.

We believe in the power of diverse perspectives. We explicitly encourage people from all backgrounds, experiences, and walks of life to apply.

If you’re excited to build something meaningful that creates long-term impact, we’d truly love to hear from you.