Credit Risk Analyst (on-site)

Your role

Cloover is enabling €100M+ in financing across five European markets — and the credit risk function is what makes that possible without compromising on quality. Were looking for a Credit Risk Analyst to own credit decisioning, KYC processes, installer onboarding, and portfolio monitoring end-to-end. This is a role at the intersection of risk and growth: youre not just checking boxes — youre shaping the standards that determine how fast and how safely we scale.

This is a hands-on role with a clear path to senior ownership as we grow. If you want direct exposure to credit risk in a high-growth fintech reshaping renewable energy financing across Europe, this is your seat.

Youll report to our Co-Founder & CFO and work closely with senior management from day one.

Your mission

Credit & KYC:

Execute and continuously refine consumer credit assessments using company financials and bureau data.

Continuously improve underwriting criteria through both process and technology enhancements, flag edge cases to the Head of Risk, and ensure every decision is defensible, documented, and aligned with our risk appetite.

Set and monitor exposure limits per partner based on financial health and performance metrics, and coordinate site visits, sample testing, and periodic reviews to maintain partner quality.

Run full KYB, AML and anti-fraud screening on installer partners: UBO verification, credit checks, and ongoing compliance monitoring.

Portfolio monitoring, modelling and risk management technology:

Build and maintain portfolio monitoring dashboards tracking credit quality, concentration risk, and early warning signals — the analytical backbone of the risk function.

Build and support native technologies that help the underwriting team manage risk.

Build and refine risk models that support underwriting decisions and portfolio management as the book scales.

Analyse trends across regions, installers, and customer segments to identify emerging risks before they become portfolio events.

Prepare risk reporting for internal stakeholders and support covenant monitoring across our financing vehicles.

Your profile

We care more about how you think and what youve built than where youve been. Heres what will set you up for success in this role:

2–3 years of relevant experience in a credit risk decisioning role — financial analysis, underwriting, and portfolio management.

Bachelors degree minimum in Finance, Economics, Business, or a related field.

AI-literate for the development and maintenance of in-house technologies for risk management.

Excel power user — comfortable building models from scratch and analysing large datasets without needing a template to start from.

Flags concerns and challenges assumptions before they become problems — doesnt wait to be asked.

Works with precision in a fast-moving environment: detail-oriented without being slow, rigorous without being rigid.

Fluent in English and German — both required, given our markets and counterparties.

Based in Berlin and energised by being in the room. Were intentionally office-first — decisions get made in real time, risk calls get stress-tested over lunch, and the founding team is ten metres away. If thats how you thrive, youll feel at home here.

Nice to have — but not required:

Experience with BI tools such as Metabase, Power BI, or Tableau, or credit decisioning platforms.

Programming skills in Python or R.

Dont meet every requirement? Apply anyway. We hire for potential and perspective — credentials are a starting point, not a ceiling.