Risk specialist / Data analyst – Risk Management

VEXCASH has been the provider of short-term loans in Germany for many years and has developed into one of the leading Fintech start-ups with more than 45 employees in Berlin. Our customers can borrow from 100 to 3,000 Euros in 15 days to 6 months instalments. Vexcash is based in Berlin and part of 4finance group – an international leader in the fintech industry.

  • You will support Risk Management department with various tasks related to underwriting, scoring, risk reporting, fraud prevention, risk-adjusted pricing, etc.
  • Perform ad-hoc analysis/reporting for top management
  • Monitor various risk KPIs on segment level
  • Build and update scorecard models using statistical tools
  • Monitor scorecard performance and variable stability, define new segments, monitor cut-offs, strategies for credit decision
  • Take active role in integrating external risk management and fraud prevention tools
  • Improve our current reporting process and develop reports from scratch
  • Support impact analysis of various changes to product and pricing
  • Perform testing and validation of risk measures in internal systems
  • Work closely with customer support, collection and IT on risk and underwriting topics
  • Gain valuable experience in credit risk management and become knowledgeable with risk management tools and KPIs

Required skills and experience

  • Bachelor or master’s degree in mathematics, Statistics, IT, Finance or similar area
  • At least three years of relevant experience in risk management and data analysis
  • Experience in building predictive models and handling large datasets
  • Relevant experience in financial sector
  • Proficient knowledge of MS Office, especially Excel
  • Strong SQL/MySQL, Python, or R user. Knowledge of VBA, SAS, Tableau, will be considered an advantage
  • Strong communication and analytical skills, specialist in data analysis
  • Capacity to work independently and reliably with attention to details
  • Fluently in English, German is a plus
  • Responsible and willing to learn and go the extra mile

We offer

  • Permanent employment contract
  • Fair remuneration
  • International environment with a dynamic, dedicated and collegial team
  • Office in the heart of Berlin near Checkpoint Charlie
  • Personal and professional development
  • Modern working conditions and processes that we constantly improve
  • A secure job in a company that prepares for the future like no other
  • Team Events – e.g. Summer party, Halloween Party, X-mas celebration
  • Weekly fresh fruit-baskets


If you are motivated to achieve our goals together with us, then send us your meaningful application documents (incl. earliest starting date and salary expectation) to: [email protected]