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About Raisin

About Raisin Bank

As part of the Raisin family, Raisin Bank combines the best of both worlds: the experience and security of a bank, with the flexibility and innovation of a start-up. Our team is just as diverse as our partners. If you are looking for a dynamic environment in which you can play to your strengths and develop further, then you have come to the right place!

Founded in 1973, our dynamic and innovative service bank has a full banking license and brings the decades of experience of an established German credit institution to the table. In processing both loan portfolios and receivables of selected borrowers, it combines performance strength and competent advice with efficient solutions. Since 2019, the bank has been a wholly-owned subsidiary of Raisin and has been operating under the name Raisin Bank AG since August 2019.

About Raisin US

About Raisin UK

Team

The Raisin Group Credit Risk Management team is part of the second line of defense and is responsible for the oversight of credit risks across Raisin’s commercial, treasury, and financial counterparties. While Raisin does not engage in traditional lending, we are exposed to credit risk through receivables, guarantees, investments, and other contractual obligations.

Our team ensures these risks are consistently identified, assessed, monitored, and reported in line with Raisin’s risk appetite and strategic goals. We work closely with Finance, Treasury, Legal, Controlling, and Business Units to maintain a consistent and effective risk framework. We value a collaborative, data-driven approach and foster an inclusive environment that supports continuous learning and diverse perspectives.

Tech Stack

Your Responsibilities

The Credit Risk Manager is responsible for the assessment, monitoring, and reporting of credit risk exposures at both transaction and portfolio levels. This includes independent analysis of counterparties, sector and portfolio trends, and support for credit risk quantification within the ICAAP and loan loss provisioning framework. The role contributes to effective risk-based steering and ensures regulatory and policy compliance in line with the institution’s credit risk appetite.

Key Responsibilities

Perform credit risk analysis of counterparties and transactions (corporates, financial institutions, sovereigns) including review of financials, business models, and transaction structures
Monitor credit risk developments and portfolio exposures on an ongoing basis, ensuring early identification of deteriorating risk profiles
Prepare and maintain regular and ad-hoc credit risk reports and dashboards for senior management, committees, and regulators
Contribute to loan loss provisioning (IFRS 9 / expected credit loss) processes through risk input, staging assessments, and qualitative overlays
Analyze portfolio concentrations and sector developments, providing management with early warning indicators and mitigation recommendations
Collaborate with front office, finance, risk controlling
Monitor compliance with internal risk limits and external requirements (e.g., CRR, MaRisk, Basel III/IV)
Participate in projects related to data quality improvement, system enhancements, and model validation

Your Profile

This role requires a strong combination of transactional credit expertise, quantitative thinking, and sound risk judgment.

Key Requirements

University degree in Finance, Economics, Business Administration, or a related discipline
2–5 years of experience in credit risk analysis, risk controlling, or credit structuring in a banking or financial services context
Proven ability to assess transactional credit risk and understand business models, financial covenants, collateral, and legal documentation
Familiarity with loan loss provisioning processes and IFRS 9 concepts (e.g., staging, expected credit losses)
Experience in monitoring credit exposures and early warning systems
Knowledge of regulatory frameworks (CRR, Basel III/IV, MaRisk) and credit risk concepts (PD, LGD, EAD)
Strong Excel, data handling and analytical skills;
Strong communication skills and ability to summarize risk issues for senior stakeholders
Detail-oriented, proactive, and able to manage multiple tasks under tight deadlines
Certifications such as FRM, CFA, or similar are a plus

Our Benefits

Benefits der Raisin Bank

Join our mission, join our team - and grow with us!

As part of the strong Raisin family, Raisin Bank combines the best of both worlds: The experience and security of a bank with the flexibility and innovation of a Start-up.
Our employees are just as diverse as our partners. If you are looking for a dynamic environment in which you can play to your strengths and develop further, then you have come to the right place! In our agile FinTech environment, you have the opportunity to work in an international team and gain new experience. We provide:

Employee Development Budget of €2,000 and access to Babbel for continuous learning.
Exciting cooperation partners and projects in the banking and Start-Up environment.
A fully cloud-based Banking-as-a-Service Platform.
Company-wide use of industry-leading tools for analysis, development, communication and collaboration such as AWS Stack, Splunk, GSUITE, Slack, Atlassian Suite (Jira, Confluence, Trello) and many more.
Dynamic environment, a hands-on mentality and agile ways of working.
Flexible working hours and 30 days holiday plus Christmas Eve and New Year's Eve off.
Collegiality and a supportive learning environment.
Promotion of company pension schemes and capital-forming payments (vermögenswirksame Leistungen).
We subsidize the Deutschland Ticket with €25 per month.
Love cycling? With JobRad, lease the bike of your choice and enjoy tax savings, plus Raisin covers your monthly insurance costs
A diverse team of experts to learn from and to inspire each other.

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