Senior Credit Risk Manager - US Corporate and SME Clients (m/f/d)

USPliant is a European fintech specializing in B2B payment solutions.

Our modular, API‑first platform helps businesses streamline spending, improve cash flow, and integrate payments into their financial workflows. Designed for industries with complex payment needs, such as travel and fleet, Pliant enables greater efficiency, control, and profitability.

Founded in 2020 and headquartered in Berlin, Pliant supports over 4,000 businesses and more than 20 partners globally. As a licensed e‑money institution, we issue credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments.

ABOUT THE ROLE

As Senior Credit Risk Manager you are responsible for credit risk assessment of our US SME and corporate clients. You will own a book or significant credit exposures. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack. You will work closely with our CRO, and colleagues from Sales, Legal, Operations, Product, Data and Risk teams.

WHAT YOU’LL DO

• Due diligence: assess who our customers are, how and with whom they operate their business model, and their public and financial profiles.
• Underwriting: analyze business and financial information of our customers (e.g., credit agency reports, financial statements, bank account statements), write up the key risks and mitigants, and conclude.
• Credit decision: decide on limit requests within your delegated authority and help build and maintain a performing loan book.
• Risk ownership: own multiple high‑limit customers and groups, monitor their risk profiles, and present findings to the credit risk committee.
• Innovation: systematize business problems, design smart solutions, and help build scalable, compliant straight‑through processes, including AI capabilities.
• Communication: facilitate smooth, fact‑based information flow between colleagues, supporting a culture of open dialogue and mutual respect.

WHAT YOU’LL BRING

• Minimum 6 years of operational experience in credit risk assessment for US corporate and SME customers from a bank or fintech.
• Strong knowledge of accounting principles and industry‑specific financial analysis. CFA or similar qualifications are a strong plus.
• Analytical thinking, detail orientation, and ability to quickly understand new problems and systems and work out solutions.
• Experience with tools used for loan processing, credit decisioning, BI, open banking and accounting.
• Project management skills and demonstrated ability to design and steer complex projects end to end.
• Determination and desire to work in a team to achieve high‑quality results for our customers, even under stress.
• Fluent English with very good writing skills. Other European languages are a plus.

WHAT WE OFFER

• Opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence.
• Attractive remuneration.
• Flat hierarchy and transparent communication in a relaxed, professional atmosphere.
• Opportunity to develop your talent in a dynamic team with ambitious goals.
• Flexibility and possibility to work remotely.
• Monthly mobility benefit.
• Wellhub Membership.
• Company card with a monthly allowance for lunches and coffee with co‑workers.

At Pliant, we believe diversity and inclusion are essential to building not only an innovative product but also an exceptional experience for both our customers and our team. This commitment begins with our hiring process—we welcome individuals of all racial and ethnic backgrounds, religions, national origins, gender identities or expressions, sexual orientations, ages, marital statuses, and abilities. If you require accommodations or accessibility support during the interview process, please let us know in your application so we can make sure your experience is seamless.

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