---
title: '(Senior) Credit Risk Manager (m/f/d) at Raisin'
canonical: 'https://feeny.ai/job/senior-credit-risk-manager-m-f-d-raisin-berlin-vx9nvs4q51he'
type: 'job'
last_seen: '2026-09-13'
---

# (Senior) Credit Risk Manager (m/f/d) at Raisin

- **Company:** Raisin
- **Location:** Berlin, Germany / Frankfurt, Germany / Hamburg, Germany / Munich, Germany
- **Posted:** 2026-09-01
- **Last confirmed live:** 2026-09-13
- **Apply:** https://job-boards.eu.greenhouse.io/raisin/jobs/4950873101

## Job description

Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market.

Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns.

## 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.

## Your Responsibilities

As our Credit Risk Manager, you will take full ownership of our credit risk framework, operating as a hands-on builder and independent risk partner. This role requires the resilience to navigate complex stakeholder dynamics, the technical agility to modernize our reporting infrastructure using Looker and Mambu, and the expertise to tackle operational backlogs while ensuring robust risk steering across our diverse portfolio.

Key Responsibilities:

- Credit Analysis: You will perform independent credit risk analysis of counterparties and transactions (corporates, financial institutions, sovereigns), evaluating financials, business models, and structures.
- Infrastructure & Data Ownership: You will architect and maintain your own reporting infrastructure using Looker, Mambu, and Google Sheets, ensuring high data quality across all risk processes.
- Strategic Risk Steering: You will drive data-driven decision-making by creating insightful risk dashboards and reporting that directly influence senior management’s strategic steering.
- Proactive Portfolio Monitoring: You will maintain strict oversight of credit developments, identifying sector concentrations and deteriorating risk profiles to facilitate proactive risk mitigation.
- Provisioning & Forecasting: You will manage loan loss provisioning processes in accordance with IFRS 9 and ECL frameworks, including staging assessments and qualitative overlays.
- Regulatory Compliance: You will ensure strict adherence to internal risk limits and external regulatory requirements (e.g., CRR, MaRisk, Basel III/IV).
- Project Management: You will lead or participate in initiatives to improve data quality, enhance systems, and validate models, driving the modernization of our risk infrastructure.
- Cross-Functional Partnership: You will act as a partner to the Front Office, Finance, and Risk Controlling teams, providing expert guidance on credit risk topics while balancing business growth objectives with robust risk management frameworks.

## Your Profile

We are seeking an experienced Credit Risk professional who operates with a high degree of autonomy, bringing both the technical capability to build processes from scratch and the resilience to navigate complex stakeholder landscapes. The ideal candidate combines deep analytical expertise with the strategic mindset to challenge assumptions and safeguard the Raisin Bank’s risk appetite.

Key Requirements:

- Professional Background: You hold a university degree in Finance, Economics, Business Administration, or a related discipline. Holding professional certifications such as the FRM or CFA designation is an added advantage.
- Experience: You bring 5+ years of experience in credit risk analysis, risk controlling, or credit structuring within banking or financial services.
- Analytical Competence: You possess a proven ability to assess transactional credit risk, including business models, financial covenants, collateral, and legal documentation.
- Regulatory Knowledge: You demonstrate a strong working knowledge of IFRS 9 concepts (staging, ECL) and European regulatory frameworks (CRR, Basel III/IV, MaRisk).
- Operational Resilience: You demonstrate high personal resilience and comfort navigating a fast-paced, forming fintech environment. You possess the strength of character required to navigate significant stakeholder pressure and thrive on "change the bank" projects.
- Proactive Mindset: You maintain a highly self-directed approach to identifying deteriorating risk profiles and portfolio concentrations, with the capability to take full ownership of the scope with minimal guidance.
- Technical Proficiency:  You are skilled at managing risk data using Looker, Mambu, and Google Sheets. Knowledge of programming skills (Python/SQL) and BI tools (Tableau/Power BI) are a definite asset.
- Communication & Influence: You show a proven ability to navigate complex stakeholder dynamics; you possess the strength of character to hold firm on risk decisions under pressure and effectively bridge the gap between the first and second lines of defense.
- Language: Your primary working language is English; no German language proficiency is required.

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

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

As part of our team, you will benefit from

- Employee Development Budget of €2,000 and four full training days per year.
- Flexible working hours, home office and 30 vacation days.
- A company pension scheme (Betriebliche Altersvorsorge), which we support with 20%.
- Enjoy more than 50+ different sports with Urban Sports Club: We subsidize your membership with more than €20 per month.
- Do you miss being in the office? The Deutschland Ticket gets you there, which we subsidize 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.
- Hungry all the time? Snacks, daily fresh fruit as well as drinks provided at the office.
- You are moving from another country or city to join us? We may support your relocation.

[Raisin Applicant Privacy Policy](https://www.raisin.com/corporate/raisin-applicant-privacy-policy/)

We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply.

We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.

## About Raisin

## Company Overview
- **One-liner**: Raisin operates a global savings and investment marketplace, connecting consumers with high-yield deposit and investment products from a network of over 300 banks across Europe and the United States.
- **Entity Type**: Private (multiple funding rounds from top-tier investors)
- **Headquarters**: Berlin, Germany (with offices in Frankfurt, Hamburg, Munich, Madrid, Manchester, Lehi-Utah, and New York)
- **Founded**: 2012
- **Founders**: Dr. Tamaz Georgadze (CEO & Co-Founder), Dr. Frank Freund (CFO & Founder), Michael Stephan (COO & Founder)

## Core Business
- **Primary industry**: Fintech – savings, investments, banking infrastructure
- **Target customers**: B2C (savers and investors) and B2B (deposit-taking banks, distribution partners)
- **Mission**: “To create financial peace of mind by giving people simple, transparent access to savings and investments.”

## Products & Services
- **Raisin Savings Marketplace** (EU, UK, US): A platform where consumers can open savings accounts, term deposits, and CDs from multiple partner banks, all through a single login.
- **Raisin Investment & Pension Products** (Germany): Access to ETFs, funds, and state-subsidized pension plans (Riester, Rürup).
- **Raisin Bank**: A licensed banking entity that provides the regulated infrastructure for the marketplace and offers white-label services to partners.
- **Distribution Partner Integrations**: APIs and embedded finance solutions that allow other platforms to offer Raisin’s savings products to their own customers.

## Market Standing
- **Valuation**: Not publicly disclosed (conflicting reports not found; company is private)
- **Key Metric**: Over €80 billion in assets under administration on the platform, serving more than 1 million investors who have accrued over €7 billion in interest.
- **Notable Investors**: Tencent, Index Ventures, M&G Investments, Hedosophia, Ribbit Capital, TopTier, Vitruvian, Deutsche Bank, PayPal.
- **Growth Signals**: Expanded to the US in 2020, now live in 10 countries (including recent entries into Finland in 2026 and Poland in 2020); headcount exceeds 800 employees from 75+ nationalities; continuous hiring across engineering, product, risk, and operations.

## Competitive Advantages
- **Large, diversified bank network**: Access to 300+ deposit-taking banks across multiple jurisdictions, giving consumers competitive rates and banks a new funding channel.
- **Licensed bank infrastructure**: Raisin Bank provides regulatory and operational backbone, enabling faster product launches and trust.
- **Strong investor backing**: Backed by global tech and financial investors, providing capital for expansion and product development.
- **Cross-border scale**: Already operating in 10 countries with a single platform, creating a network effect that is hard to replicate.

## Strategic Focus
- **US market expansion**: Growing the US savings marketplace (Raisin US) and building local teams in New York and Utah.
- **Product diversification**: Adding investment and pension products in more markets, and deepening embedded finance partnerships.
- **Sustainability**: Integrating ESG criteria into product offerings (e.g., first sustainable deposit in Germany) and publishing a Sustainability Report.
- **Platform reliability and security**: Investing in IT security, risk management, and fraud prevention to maintain customer trust.

## Why Work Here
- **Culture**: Values-driven environment emphasizing ownership, entrepreneurial thinking, customer focus, and inclusion. Employees describe it as ambitious, open, and caring.
- **Hybrid working**: Most roles support a hybrid model; offices in Berlin, Munich, Frankfurt, Hamburg, Madrid, Manchester, Lehi (Utah), and New York.
- **Perks**: Company pension scheme, employee development budget, sustainable commuter solutions, health & well-being support, competitive vacation days, referral program, and visa & relocation support.
- **Engineering culture**: Strong focus on engineering leadership (multiple Engineering Lead roles), mobile (React Native), and platform teams. English is the working language; teams are international and diverse.
- **Growth opportunities**: Personal development budget, promotions, stretch assignments, mentorship. The company’s rapid expansion means employees can take on increasing responsibility.

## Sources
1. [Raisin Careers Page](https://www.raisin.com/en/corporate/careers/)
2. [Raisin About Page (Global)](https://www.raisin.com/en/corporate/about-raisin/)
3. [Raisin Corporate Hub](https://www.raisin.com/en/corporate/)
4. [Raisin US About Page](https://www.raisin.com/en-us/about-us/)
5. [Raisin Greenhouse Job Board](https://job-boards.eu.greenhouse.io/raisin)

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