Job description
(Junior) Credit Analyst (m/f/d) - Berlin
Company Overview
At Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.
Job Summary
As a Credit Analyst (m/f/d), you take ownership of core parts of our underwriting and portfolio processes (B2B and B2C). You are responsible for making and improving credit decisions, actively shaping how we scale our risk operations. You operate independently in day-to-day underwriting and play a key role in improving our risk framework as volumes grow rapidly.
Key Responsibilities
- Own and perform credit underwriting for end customers (B2C) and installer/partner companies (B2B)
- Review financial documents, application data, and risk indicators within defined underwriting rules
- Make credit decisions within clearly defined approval limits
- Ensure compliance with internal risk policies and underwriting guidelines
- Identify and escalate anomalies, risk signals, or potential fraud cases
- Support the continuous improvement of underwriting and operational processes
- Maintain and improve data quality in risk-relevant systems
- Work closely with the Risk team to ensure stable daily operations
Requirements / Qualifications
- 1–3 years of experience in Credit Risk, Underwriting, or Lending Operations
- Strong experience in both B2B underwriting (B2C is a plus)
- Strong analytical thinking and comfort working with financial data and structured decision-making
- High attention to detail and strong sense of responsibility in execution
- Reliable, structured, and disciplined working style
- Strong Excel skills
- Comfortable working in fast-paced, high-growth environments
- English (minimum C1 level), fluent German is a plus
Location
Berlin, Germany, Remote: True
Employment Type
Full Time
Salary & Benefits
- Extra days off for climate activism
- Hybrid, trust-based environment
- Workations possible
- Flexible bonus
- Food provided at the office
- Offsites and team events
Equal Opportunity Statement
At Bees & Bears, we place a high value on equal opportunity and are committed to fostering a diverse and inclusive work environment. We strive to create a friendly, safe, and welcoming environment for all our employees, regardless of ethnic origin, gender, gender identity and expression, sexual orientation, disability and abilities of any kind, physical appearance, social background, marital status, age, or religion (or lack thereof).
