At Moss, we give finance professionals the power to automate their day-to-day and make forward-thinking decisions.

Our team and culture make us unique — we’re driven by impact and growth, where every one of us strives to learn and excel. Recognised by Sifted’s Rising 100 and LinkedIn's Top Startups, we’re here to help propel your career and together, make Moss a lasting success.

Join Moss' collaborative Credit team as a Senior Credit Analyst (f/m/d).  

In this role, you will focus on evaluating credit risk for our SMB customers across different markets in Europe (NL, UK, and DE). You will play a key role in shaping our approach to balancing risk and growth, directly contributing to our business success and customer development. As part of an experienced team, you’ll have opportunities to expand your expertise, gain valuable insights, and contribute to the company’s ongoing growth.

Your responsibilities

Here's a bit more on what you can expect to be doing day-to-day:

• Own the credit application process - Review customer credit applications and agree on credit lines, employing a data-oriented approach to assess risk and determine appropriate credit limits for both new and existing customers to utilize Moss’ credit product.

• Monitor Moss’ credit portfolio - Monitor and evaluate the performance of Moss’ credit portfolio, ensuring that customers are meeting their credit obligations. Take proactive actions, leveraging data insights, to mitigate risk effectively

• Provide an excellent customer experience - Actively drive initiatives for ongoing improvements in customer experience, both within the team and where needed, by engaging with senior and management level stakeholders across Moss

• Define policies and procedures - Alongside senior leadership, you support in setting up new credit risk assessment processes and operational policies, integrating data-driven methodologies to inform policy formulation and ensure alignment with organizational objectives.

• Collaborate on high-impact projects - Drive the development and growth of the team, assuming high responsibility for shaping and executing strategic initiatives to enhance team performance and achieve organizational objectives

About you

We think you’ll need the following experience and qualifications to succeed in the role: 

• Previous experience in credit risk assessment of B2B financial products

• Broad knowledge of credit risk portfolio management practices, Basel Standards, IFRS, German GAAP, EU and German banking regulations 

• Fluent in English (C1) 

In addition, here are the skills and attributes we are looking for:

• Innovative mindset - You possess a keen ability to analyse risk factors, market developments, and new technological opportunities, coupled with comprehensive B2B industry knowledge. You leverage this combination to craft decisions that balance customer needs and our risk appetite, ensuring impactful outcomes.

• Customer-Focused - You empathize with customers' needs, ensuring flawless experiences, while taking ownership of solving complex issues to prevent recurrence.

• Adaptive Communicator - You are able to communicate complex credit risk assessment topics to a range of audiences in a clear, concise, and expert manner.

• Strategic Prioritiser - You manage multiple requests from stakeholders. You can effectively handle ever-changing obstacles and adjust in order to meet deadlines in a timely and efficient manner.

• Diligent - You are focused, methodical and attentive to detail. You are dedicated to producing error-free and accurate work whether you’re working on operational tasks or when preparing strategies, plans or procedures.

About Moss

Moss is a SaaS scale-up founded in Berlin, with a team of 250+ people from 40+ nationalities in 6 offices across Europe. 

Our ambition is bold: to power every SMB’s spend across Europe - fully digital, AI-driven, and seamlessly integrated for complete control. To date, over 3700 businesses in Germany, Netherlands and the UK use Moss’ leading spend management product, with modules such as corporate cards, accounts payables, employee cash reimbursements and procurement.

Moss has raised a total of €180 million in funding and is backed by the most renowned tech investors including Valar Ventures, Tiger Global, Global Founders Capital, Cherry Ventures and A-Star.

Be part of a culture that thrives on impact and speed, where you can take bold moves, learn fast and accomplish more. We’re a place where you can fast track your career - here's what else to expect:

• Top-of-market compensation package, including equity. 

• Our vibrant offices are at the heart of our culture, where in-person time fuels collaboration and connection over weekly breakfasts and Friday demos.

• Additional benefits include: 20 days “work from abroad”, 600EUR/GBP Learning & Development Budget, and other local benefits.

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