ABOUT US

Since 2020, Pliant has been on a mission to rethink credit cards and empower companies to grow by providing a smart way to pay that scale with their business. With our app and API-based solutions, Pliant allows companies to issue physical and virtual credit cards, automate payment processes, track spending, and seamlessly integrate these data into their finance stack.

Pliant is growing quickly. With our expansion into 30 international markets, we believe that people, passion, and diversity are the key ingredients to our future success. Our growing team of 200+ Plianteers come from 35 nationalities and work remotely or in a hybrid environment from our headquarters in the heart of Berlin. And we’re looking for more talented and committed people to join us on our journey!

Want to learn more ? Who are Pliant

ABOUT THE ROLE

As Lead Credit Risk Management - LMM (m/f/d), you will be responsible for the operational performance of the credit risk function that is responsible for our large and middle-markets customers (“LMM”), the development and leadership of the team, and strategic execution and development of credit risk underwriting and monitoring processes. While a strong foundation in credit underwriting is essential, the focus of this role lies in leading a high-performing team and enhancing business operations.

You will drive initiatives to achieve operational targets, optimize workflows, and continuously evolve our credit tech stack. You’ll work closely with the Lead for Credit Analysis and the VP of Credit to align underwriting strategies with business goals. You’ll also contribute to business goals by underwriting and monitoring customers yourself.

This role will be based in Berlin (hybrid).

WHAT YOU’LL DO

• Leadership: Lead and mentor a team of credit risk professionals, setting clear expectations and goals. Providing regular feedback and training to grow the team’s professional capabilities. Create a team culture rooted in ownership, collaboration, and continuous growth.
• Operational performance: Own, measure and drive the team’s achievement of operational KPIs and OKRs. Identify bottlenecks and blockers in workflows and resolve them together with the team. Continuously review and enhance operational processes to reduce handling times while keeping quality within agreed parameters.
• Underwriting: Perform credit assessments for SME and corporate clients, ensuring high-quality. Ensure documentation, compliance, and transparency across all credit processes.
• Collaboration: Align credit operations with broader risk strategy in partnership with the Credit Analysis Lead. Collaborate with Commercial, Product, Data, and Legal teams to align underwriting practice and tools with business needs.
• Communication: Facilitate smooth and fact-based information flow between your colleagues. Support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

WHAT YOU’LL BRING

• Proven operational leadership experience, preferably in a bank or fintech.
• Deep understanding of credit risk underwriting for SME and/or corporate customers.
• Experience managing teams in fast-paced, tech-enabled environments.
• Demonstrated success in improving operational performance and scaling processes.
• Strong financial and risk analysis skills; familiarity with open banking data and transaction-level insights is a plus.
• Strong communication skills with the ability to drive cross-functional alignment.
• Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.
• Fluent in English; additional European languages are a plus.

WHAT WE OFFER

• The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
• Attractive remuneration
• Flat hierarchy and transparent communication in a relaxed, professional atmosphere
• Opportunity to develop your talent in a dynamic team with ambitious goals
• Flexibility and possibility to work remotely
• Monthly mobility benefit
• Wellhub Membership
• Company card with a monthly allowance for lunches, coffee, etc. with co-workers