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Solarisbank Logo Solarisbank · Finance

Senior Credit Manager

Germany, Berlin · Job Posted December 26, 2025
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Job Description

Solaris is a tech company with a full German banking license. Our Banking-as-a-Service platform enables businesses to offer their own financial products. With our straightforward APIs, our partners can access and integrate a wide range of solutions such as digital banking, payments, cards, identification and lending services. As a market leader we are driven by bringing transformational change to the financial services industry.

Job Responsibility

  • Manual Underwriting
  • Structure of credit transactions
  • Assessing and approving credit transactions in line with OHB and external regulatory framework
  • Perform, optimize and maintain the credit approval process
  • Setup and maintain (manual) credit file management
  • Review/update credit files regularly
  • Automated Underwriting
  • Assist in setting criteria for Decision Engine
  • Align conceptual consistency of underwriting principles
  • Credit Portfolio Steering
  • Prepare regular qualitative portfolio review with action proposals to keep credit risk exposure within risk appetite
  • Run ad-hoc assessment to keep credit risk exposure within risk appetite
  • Monitor partnership team actions regarding dunning, workout, collection actions
  • Responsible for closing audit findings in the respective focus area
  • Train CRM and Solaris staff on underwriting principles
  • Project related tasks, e.g. development of new loan products

Requirements

  • Educational degree, ideally with a focus on economics, business administration, banking or a comparable qualification
  • 5 + years of relevant work experience in credit risk management in a bank or financial institution
  • At least 2 years of experience in credit underwriting
  • Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring
  • Experience in regulatory requirements for respective focus area
  • Fluent English language skills
  • Hands-on and “driving the change”-mindset
  • Reliable, solution-oriented, independent working method
  • Used to working under pressure / on tight deadlines
  • Stakeholder management for multiple tasks and good communication skills
  • Passionate about Credit and always wanted to improve “old fashioned” processes end-to-end with new approaches and technology

Nice to have

  • Experience in advanced excel, Python, Tableau and/or HTML is a strong advantage
  • German language skills is a plus

What we offer

  • Competitive salary and a variable remuneration program
  • Home office budget
  • Learning & development budget of €1000 per year and a transparent growth framework to support your career goals
  • Monthly meal allowance
  • Deutschland ticket subsidy
  • 28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris
  • Opportunity to work abroad for up to 12 weeks per year
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