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!