We are Billie, the leading provider of Buy Now, Pay Later (BNPL) payment methods for businesses, offering B2B companies innovative digital payment services and modern checkout solutions. We are to create a new standard for business payments and have made it our mission to simplify the purchasing experience for all businesses making it a tool for growth. Our solutions are based on proprietary, machine-learning-supported risk models, fully digitized processes and a highly scalable tech platform. This makes us a deep-tech company building financial products, not the other way around. We love building simple and elegant solutions and we strive for automation and scalability.
About the role:
At Billie, we're at the forefront of transforming how B2B payments work, and our Underwriting Team is essential to fueling our ambitious growth. We're looking for a talented Senior Credit Risk Analyst who thrives on putting things into action, building strong relationships with merchants, and designing innovative risk strategies that support our expanding operations while protecting our bottom line.
What You’ll Do:
Collaborate with Major Merchants: Work closely with our largest partners to create smart, tailored risk structures that address the unique needs of each business.
Be an Independent Decision-Maker: Take the lead on underwriting complex, non-standard deals that require a deep understanding of business risk and creative, thinking beyond the usual procedures.
Shape the Future of Our Products: Play a key role in designing policies and processes that support the launch and expansion of our innovative Buy-Now-Pay-Later (BNPL) offering, as well as our international growth.
Drive Risk Monitoring and Alerts: Build and implement cutting-edge monitoring systems to track and manage risk for our growing customer base.
Who we are looking for:
4+ Years of Experience: You have a solid background in credit risk analysis and financial statement evaluation for SMEs or KMUs, with a preference for experience in the B2B sector.
We’re a fintech. You bring the fin – and are excited and curious about the tech part of our work. We prioritize scalable solutions over routine tasks.
E-Commerce, Credit Management, or Payments Expertise: Bonus points if you’ve worked in the e-commerce, credit management, or payment provider industries.
Autonomous and Proactive: You thrive on ownership and are driven to take initiative, always looking for ways to improve processes and deliver results.
Fluent in English and German: You’re comfortable communicating in both languages to collaborate effectively with a global team.
What we offer:
Challenging and impactful work that drives personal and professional growth
One of the best Virtual Shares Incentive Programs in the market, so that everyone at Billie is invested in our success
Flexible work hours and trust in your ability to deliver, empowering you to take control of your work-life balance
A hybrid working approach that allows you to work from home for up to 3 days per week
Enjoy 30 days vacation per year on top of paid public holidays, sabbatical opportunities, and extra child sickness leave for parents.
Our “Catch a Ride with Billie” program that enables discounted access to Berlin Public Transport (BVG), Deutschland-Ticket, OR JobRad
A yearly development budget to broaden your skill set and horizons
Free German group classes
An English-speaking, multicultural team with more than 40 nationalities
Building meaningful connections with your colleagues through company and team events, interest groups, the Billie run club, game nights, and more, powered by our Formula Fun Team!
