Risk Manager (Full time, 100% Remote) permanent or freelancer

VEXCASH AG is Germany’s leading online credit provider for short-term loans, trusted by over 500,000 customers. Our mission is to deliver fast, flexible financial solutions without long-term commitments. We foster an inclusive, innovative culture and are committed to diversity and equal opportunity.

Tasks

We are seeking a Risk Manager to join our team. This fully remote role is open to candidates based in near-CET time zone. You will play a key role in risk management, underwriting, scoring, risk reporting, fraud prevention, and risk-adjusted pricing for our growing fintech business.

Key Responsibilities

• Lead credit risk analysis, including underwriting, scoring, and risk-adjusted pricing strategies
• Develop, monitor, and update scorecard models using statistical tools; assess performance and stability of variables, define new segments, and set credit decision strategies
• Integrate and optimize external risk management and fraud prevention tools
• Design, improve, and automate risk reporting; develop new reports from scratch as needed
• Monitor key risk KPIs at segment and portfolio level and deliver actionable insights to management
• Conduct ad-hoc analyses and prepare reports for top management
• Test and validate risk measures in internal systems; ensure compliance with internal and external requirements
• Collaborate with cross-functional teams (e.g., Product, IT, Data) to assess the impact of product and pricing changes on risk
• Stay current with industry best practices and regulatory requirements in consumer credit risk

Requirements

• Bachelor’s or master’s degree in mathematics, statistics, IT, finance, or a related field
• Minimum 3 years of experience in risk management and data analysis, ideally in the financial sector (banking or financial services)
• Proven experience managing consumer credit portfolios at portfolio level
• Strong skills in building predictive models and handling large datasets
• Advanced proficiency in SQL/MySQL and Python (required); experience with R, VBA, SAS, Tableau is a plus
• Strong analytical, problem-solving, and communication skills
• Ability to work independently, reliably, and with meticulous attention to detail in a remote environment
• Fluent in English; German language skills are an advantage

Benefits

• Competitive remuneration
• 100% remote work with flexible hours (CET core hours preferred)
• International, inclusive, and supportive team culture
• Opportunities for professional development and further training

Please send your CV (and, if available, a brief cover letter or project portfolio). We comply with GDPR and treat all applications confidentially.

If you are motivated to shape the future of digital lending and thrive in a dynamic, remote-first environment, we look forward to hearing from you!