Jobs in Germany
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, our Credit Risk team plays a crucial role in our success. We're the analytical engine ensuring the health of our portfolio, balancing risk mitigation with enabling business growth. We achieve this through a smart mix of quantitative modeling, sharp decision science, and efficient operations.
We're looking for a curious and driven Credit Risk Analyst to become a key player in our credit risk data science team. In this role, you'll directly contribute to shaping the frameworks for our credit and limit decisions, find innovative ways to optimize operational workflows, and be a vital communication link with various stakeholders.
This is a fantastic opportunity if you thrive on transforming complex data into actionable strategies. You're comfortable diving into operational details while always looking for ways to automate and improve, and you have a genuine interest in deepening your expertise in quantitative risk modeling and policy creation. You'll have a direct impact, guiding strategic risk decisions that align with our company values, effectively managing risk, and identifying opportunities that fuel our growth.
What You'll Do:
- Drive Insights: Leverage in-depth analysis of portfolio data (exploring credit risk, approval rates, funnel performance, etc.) to directly inform and continuously optimize our risk management strategies.
- Champion Data Science: Generate key portfolio insights and effectively communicate them across the organization, advancing our data-driven approach.
- Master Our Systems: Develop a deep understanding of our sophisticated risk-tech systems, including multiple API services and integrations with scoring providers, to ensure they meet our evolving needs.
- Collaborate & Communicate: Clearly articulate findings and recommendations, collaborating effectively and independently with internal teams and external partners, ensuring prompt escalation and resolution when needed.
- Shape Strategy: Directly influence strategic risk decisions, helping Billie strike the right balance between mitigating risk and seizing growth opportunities.
Who we are looking for:
- 3–4 years of impactful experience in quantitative risk analytics, data analytics, or a similar role where you've used data to drive decisions.
- Strong proficiency in SQL – you know how to effectively query, manipulate, and extract insights from data.
- A proven ability to manage data-driven initiatives from analysis through to implementation, translating complex findings into actionable business insights and tracking their success.
- Excellent communication skills, with the ability to distill complex analytical concepts clearly and concisely for diverse audiences across all levels.
- A sharp analytical mind combined with sound business judgment and a natural curiosity to explore data and uncover hidden patterns.
- Previous experience in, or a strong understanding of, credit risk, fraud prevention, or portfolio management principles.
- Bonus: Experience with data visualization and BI tools (like Tableau, Looker, Power BI) to bring data stories to life.
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 represented
- Building meaningful connections with your colleagues through company and team events, interest groups, game nights, and more, powered by our Formula Fun Team!
Billie offers you the opportunity to be a part of one of the fastest-growing Fintech startups in Europe following the mission to innovate to create new freedom for businesses of all sizes. Our combined decades of experience in B2B Financing and Payments in a market thirsty for innovation and change make this a fantastic possibility to get into the most dynamic space in tech.
Join an international team of talented, passionate people where drive and merit matter. We work in nimble, cross-functional teams with open communication lines across the company. You'll be surrounded by smart people from a wide variety of backgrounds from which you can learn and that want to learn from you.
Are you ready to join Billie?
Billie is proud to be an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment in our workplace. By embracing talents and abilities of all kinds, we aim to boost motivation and team creativity. We do not discriminate on the basis of race, religion, national origin, age, marital status, gender, political views, beliefs, sexual orientation, color, disability status, or any other demographic factors.
PLEASE NOTE:
Our policy includes a 180-day waiting period before reconsidering candidates for the same role. This ensures a fair and thorough evaluation of all applicants. If you apply within this cool-off period, your application will be automatically rejected.
Thank you for your understanding.
Jobs at Billie
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