The Raisin Group Credit Risk Management team is part of the second line of defense and is responsible for the oversight of credit risks across Raisin’s commercial, treasury, and financial counterparties. While Raisin does not engage in traditional lending, we are exposed to credit risk through receivables, guarantees, investments, and other contractual obligations.

Our team ensures these risks are consistently identified, assessed, monitored, and reported in line with Raisin’s risk appetite and strategic goals. We work closely with Finance, Treasury, Legal, Controlling, and Business Units to maintain a consistent and effective risk framework. We value a collaborative, data-driven approach and foster an inclusive environment that supports continuous learning and diverse perspectives.

• Perform credit risk analysis of counterparties and transactions (corporates, financial institutions, sovereigns) including review of financials, business models, and transaction structures
• Monitor credit risk developments and portfolio exposures on an ongoing basis, ensuring early identification of deteriorating risk profiles
• Prepare and maintain regular and ad-hoc credit risk reports and dashboards for senior management, committees, and regulators
• Contribute to loan loss provisioning (IFRS 9 / expected credit loss) processes through risk input, staging assessments, and qualitative overlays
• Analyze portfolio concentrations and sector developments, providing management with early warning indicators and mitigation recommendations
• Collaborate with front office, finance, risk controlling
• Monitor compliance with internal risk limits and external requirements (e.g., CRR, MaRisk, Basel III/IV)
• Participate in projects related to data quality improvement, system enhancements, and model validation

• University degree in Finance, Economics, Business Administration, or a related discipline
• 2–5 years of experience in credit risk analysis, risk controlling, or credit structuring in a banking or financial services context
• Proven ability to assess transactional credit risk and understand business models, financial covenants, collateral, and legal documentation
• Familiarity with loan loss provisioning processes and IFRS 9 concepts (e.g., staging, expected credit losses)
• Experience in monitoring credit exposures and early warning systems
• Knowledge of regulatory frameworks (CRR, Basel III/IV, MaRisk) and credit risk concepts (PD, LGD, EAD)
• Strong Excel, data handling and analytical skills;
• Strong communication skills and ability to summarize risk issues for senior stakeholders
• Detail-oriented, proactive, and able to manage multiple tasks under tight deadlines
• Certifications such as FRM, CFA, or similar are a plus

• Employee Development Budget of €2,000 and access to Babbel for continuous learning.
• Exciting cooperation partners and projects in the banking and Start-Up environment.
• A fully cloud-based Banking-as-a-Service Platform.
• Company-wide use of industry-leading tools for analysis, development, communication and collaboration such as AWS Stack, Splunk, GSUITE, Slack, Atlassian Suite (Jira, Confluence, Trello) and many more.
• Dynamic environment, a hands-on mentality and agile ways of working.
• Flexible working hours and 30 days holiday plus Christmas Eve and New Year's Eve off.
• Collegiality and a supportive learning environment.
• Promotion of company pension schemes and capital-forming payments (vermögenswirksame Leistungen).
• We subsidize the Deutschland Ticket with €25 per month.
• Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs
• A diverse team of experts to learn from and to inspire each other.

Raisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95+ trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers.

Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding.

Raisin operates its own B2C marketplaces in Europe and the U.S. In Germany, the company offers ETF-based investment and retirement products in addition to savings products. Raisin works with over 400 banks and financial service providers from over 30 countries

We are backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G.

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

In total, we have 8 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich, New York and Salt Lake City.

We also think it’s important to take the time to celebrate our hard work and achievements together, with events like our yearly summer and winter party, as well as a couple of smaller get-togethers.