(Junior) Credit Analyst (m/f/d) - Berlin

Job description

Your Impact 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. Tasks 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 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 Benefits Growth & Culture We move fast, we’re building a lot from scratch, and we’re learning something new every day. You’ll be part of a team that doesn’t just work, it truly builds something, with a strong sense of ownership and genuine team spirit. Impact Your job has a direct impact on the energy transition. Period. And because this is important to us, we offer extra days off for climate activism. Flexibility We work in a hybrid, trust-based environment. Working from home is the norm for us, two days a week are standard and flexible. We structure the rest in whatever way best supports collaboration and focus within the team. And if it works for you and your team, you can also work from other locations, workations are possible here. Perks You’ll receive a flexible bonus that you can use however you like, sports, culture, travel, whatever works for you. ** Food & Energy** Long days happen. When the office is running, so is the food: just order something to the office via Wolt. Team & Vibe We take our mission seriously, but we don’t take ourselves too seriously. Offsites, team nights, and our “Bees & Beers” are just as much a part of the job as the work itself. About us 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. Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener. What we do: We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments . Our platform provides the technical and financial foundation to make this happen. In doing so, we’re actively accelerating the energy transition — for households, for our partners, and for the planet. We’ve recently secured €500 million in funding commitments to green 25,000 households over the next two years. Prior to that, we raised two funding rounds backed by several renowned VCs — and we’ve been growing rapidly ever since.Sound like the perfect job for you? We look forward to your application and to getting to know you! 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). Even if you don’t meet the requirements 100%, we still encourage you to apply. You don’t want an ordinary job. You want to build something that truly matters. Be part of shaping it from day one, move fast and feel your impact. In a startup that doesn’t ask if something is possible – but how fast . Then you’ve come to the right place!