Ebury is a hyper-growth FinTech firm, named in 2021 as one of the top 15 European Fintechs to work for by AltFi. We offer a range of products including FX risk management, trade finance, currency accounts, international payments and API integration.
Location: Ebury Frankfurt Office located in central Frankfurt - 4 days a week, office-based working (1 day from home office)
A key role building out the underwriting function in a context of a fast growing Fintech with a worldwide footprint.
Our lending is powered by business insight. The risk team undertakes a rigorous analysis of the SME businesses looking to take our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling. The successful candidate will be expected to prepare submissions and present to our Credit Committee making recommendations, as well as contribute to the development of automated risk modelling and to adapt our processes to local markets.
The ideal candidate would complement Ebury’s analytical and statistical capabilities with their own country-specific hands-on knowledge of defaults, credit underwriting, and collections. The key is to add qualitative insight to credit decisions including granting lines, monitoring and pursuing collections.
Responsibilities:
As a Credit Risk Analyst you will:
- Assess company financials, operations and trade cycles to understand fundamental business health and inherent credit risks
- Analyse companies’ structure, their Directors and activity to understand Fraud Risk Synthesise and present analysis to Senior Leadership during the decision making process
- Monitor the existing client portfolio and review requests from existing clients.
- Ad-Hoc reporting, documentation of credit decisions
The Person
- University degree in Accounting, Economics, Finance, Mathematics or similar
- Fluency in German (essential) and English
- Ability to read German management accounts (BWA, SuSa)
- Experience in understanding how businesses work and perform. Full understanding of balance sheet, P&L and cash flow
- Analytical mind and strong problem-solving skills
- Demonstrable strong analytical ability
- Clear, concise communication style, with the ability to explain complex concepts coherently
- Willingness to work in a highly demanding and result-oriented team environment
- Working knowledge of Excel essential, VBA/Macros desirable
About Us
Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.
Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 25 countries worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Bucharest to Toronto, we enjoy sharing team experiences and celebrating success across the Ebury family.
Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.
None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.
We believe in inclusion. We stand against discrimination in all forms and have no tolerance for the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story because we want you and your uniqueness to help write our future.
Please submit your application on the careers website directly, uploading your CV / resume in English.
Top Skills
What We Do
About Ebury®
Ebury is a Fintech company specialised in international payments, collections, and foreign exchange services. It offers financial solutions aimed mainly at SMEs and midcaps. Ebury offers foreign exchange activity in over 130 currencies - for both major and emerging markets - as well as cash management strategies, trade finance, and foreign exchange risk management.
Founded in London in 2009 by Spanish engineers Juan Lobato and Salvador García, the company has grown its global market presence to a network of 31 offices in 21 countries and more than 1,300 employees.
Throughout its history, the company has received more than 20 international awards, including the Financial Times 1000 Europe's fastest-growing companies 2020 and The Sunday Times Tech Track 100. All these recognitions place Ebury as one of the leading European financial technology companies.
ebury.com
