Banking

Vexcash AG

11-50

Germany

VEXCASH AG is Germany’s leading online credit provider for short-term loans, trusted by over 500,000 customers. Our mission is to deliver fast, flexible financial solutions without long-term commitments. We foster an inclusive, innovative culture and are committed to diversity and equal opportunity.

## Tasks

We are seeking a **Risk Manager** to join our team. This fully remote role is open to candidates based in near-CET time zone. You will play a key role in risk management, underwriting, scoring, risk reporting, fraud prevention, and risk-adjusted pricing for our growing fintech business.

**Key Responsibilities**

*   Lead credit risk analysis, including underwriting, scoring, and risk-adjusted pricing strategies
*   Develop, monitor, and update scorecard models using statistical tools; assess performance and stability of variables, define new segments, and set credit decision strategies
*   Integrate and optimize external risk management and fraud prevention tools
*   Design, improve, and automate risk reporting; develop new reports from scratch as needed
*   Monitor key risk KPIs at segment and portfolio level and deliver actionable insights to management
*   Conduct ad-hoc analyses and prepare reports for top management
*   Test and validate risk measures in internal systems; ensure compliance with internal and external requirements
*   Collaborate with cross-functional teams (e.g., Product, IT, Data) to assess the impact of product and pricing changes on risk
*   Stay current with industry best practices and regulatory requirements in consumer credit risk

## Requirements

*   Bachelor’s or master’s degree in mathematics, statistics, IT, finance, or a related field
*   **Minimum 3 years of experience** in risk management and data analysis, ideally in the financial sector (banking or financial services)
*   Proven experience managing consumer credit portfolios at portfolio level
*   Strong skills in building predictive models and handling large datasets
*   Advanced proficiency in **SQL/MySQL** and **Python** (required); experience with R, VBA, SAS, Tableau is a plus
*   Strong analytical, problem-solving, and communication skills
*   Ability to work independently, reliably, and with meticulous attention to detail in a remote environment
*   Fluent in English; German language skills are an advantage

## Benefits

*   Competitive remuneration
*   100% remote work with flexible hours (CET core hours preferred)
*   International, inclusive, and supportive team culture
*   Opportunities for professional development and further training

Please send your CV (and, if available, a brief cover letter or project portfolio). We comply with GDPR and treat all applications confidentially.

If you are motivated to shape the future of digital lending and thrive in a dynamic, remote-first environment, we look forward to hearing from you!

Employee

Professional / Experienced

<p>VEXCASH AG is Germany’s leading online credit provider for short-term loans, trusted by over 500,000 customers. Our mission is to deliver fast, flexible financial solutions without long-term commitments. We foster an inclusive, innovative culture and are committed to diversity and equal opportunity.</p>
<h2 id="tasks">Tasks</h2>
<p>We are seeking a <strong>Risk Manager</strong> to join our team. This fully remote role is open to candidates based in near-CET time zone. You will play a key role in risk management, underwriting, scoring, risk reporting, fraud prevention, and risk-adjusted pricing for our growing fintech business.</p>
<p><strong>Key Responsibilities</strong></p>
<ul>
<li>Lead credit risk analysis, including underwriting, scoring, and risk-adjusted pricing strategies</li>
<li>Develop, monitor, and update scorecard models using statistical tools; assess performance and stability of variables, define new segments, and set credit decision strategies</li>
<li>Integrate and optimize external risk management and fraud prevention tools</li>
<li>Design, improve, and automate risk reporting; develop new reports from scratch as needed</li>
<li>Monitor key risk KPIs at segment and portfolio level and deliver actionable insights to management</li>
<li>Conduct ad-hoc analyses and prepare reports for top management</li>
<li>Test and validate risk measures in internal systems; ensure compliance with internal and external requirements</li>
<li>Collaborate with cross-functional teams (e.g., Product, IT, Data) to assess the impact of product and pricing changes on risk</li>
<li>Stay current with industry best practices and regulatory requirements in consumer credit risk</li>
</ul>
<h2 id="requirements">Requirements</h2>
<ul>
<li>Bachelor’s or master’s degree in mathematics, statistics, IT, finance, or a related field</li>
<li><strong>Minimum 3 years of experience</strong> in risk management and data analysis, ideally in the financial sector (banking or financial services)</li>
<li>Proven experience managing consumer credit portfolios at portfolio level</li>
<li>Strong skills in building predictive models and handling large datasets</li>
<li>Advanced proficiency in <strong>SQL/MySQL</strong> and <strong>Python</strong> (required); experience with R, VBA, SAS, Tableau is a plus</li>
<li>Strong analytical, problem-solving, and communication skills</li>
<li>Ability to work independently, reliably, and with meticulous attention to detail in a remote environment</li>
<li>Fluent in English; German language skills are an advantage</li>
</ul>
<h2 id="benefits">Benefits</h2>
<ul>
<li>Competitive remuneration</li>
<li>100% remote work with flexible hours (CET core hours preferred)</li>
<li>International, inclusive, and supportive team culture</li>
<li>Opportunities for professional development and further training</li>
</ul>
<p>Please send your CV (and, if available, a brief cover letter or project portfolio). We comply with GDPR and treat all applications confidentially.</p>
<p>If you are motivated to shape the future of digital lending and thrive in a dynamic, remote-first environment, we look forward to hearing from you!</p>


Risk Manager (Full time, 100% Remote) permanent or freelancer

Vexcash AG logo

Google {privacyLink} and {termsLink} apply.

Benefits

Media

We don't have any open positions at the moment

No available jobs

Offices

Open positions

Values

Videos

Do you have a question?

Spontaneous Application

We’ll send a link to this job to your email.

No time? Just apply later

We are reviewing your account. Once our managers approve it, candidates will be able to apply for this job.

Changes are not visible until you publish your job.

This is a preview of your job ad.

Interested?

The job {jobTitle} was archived or the deadline has passed.

This job is no longer available

Recruiting Team

Our other open positions

We no longer accept spontaneous applications

Are you a talented professional seeking your next career adventure? At {companyName}, we appreciate proactive individuals who can bring a fresh perspective to our team.

While we may not have an immediate job opening that precisely matches your needs, your distinctive experiences and talents might be an excellent fit for us in the future.

To submit your spontaneous application, please use the application form on the right to upload your CV and cover letter. Ensure that you mention your desired position in the cover letter.

Rest assured, our dedicated recruiting team will reach out to you once they identify a role that aligns perfectly with your skills and aspirations.

How to apply

Looking for a job at {companyName}? JOIN works directly with {companyName} to bring you all their open positions. Apply now with JOIN.com.

Jobs at {companyName}. Browse all open positions and become part of our team! Open positions: {jobsCount}

Jobs at {companyName}. Browse our open jobs and join us! We currently have {jobsCount} available jobs. Step up your career and apply today!

Jobs at {companyName}. Browse all our open positions and become part of our team! We have currently {jobsCount} jobs available. Apply today to join us!

Jobs at {companyName}. Browse all open positions and become part of our team! We are currently looking for {jobsCount} additions to our company. Apply today!

Jobs at {companyName}. Browse all open positions and become part of our growing team! We are currently looking for {jobsCount} additions to our company. Apply today!

Jobs at {companyName}. Browse all our open positions and become part of our growing team! We are currently looking for {jobsCount} additions to our company. Apply today!

Browse all our open positions and become part of our team! We are looking for {jobsCount} additions to our company. Take the next step in your career and apply today!

No suitable positions available at {companyName}? Don't wait! Submit a spontaneous job application today and unlock your career possibilities tomorrow.