Credit & KYC

You'll be the gatekeeper for credit quality across our entire value chain:

• Execute and refine consumer credit assessments using credit bureau data (Schufa, CRIF, Experian, Creditsafe), affordability checks, and PD scoring.
• Run full KYB/AML screening on installer partners—UBO verification, credit checks, and ongoing compliance monitoring.
• Continuously improve underwriting criteria and flag edge cases to the Head of Risk.
• Ensure every decision is defensible, documented, and aligned with our risk appetite.

Installer Onboarding

You'll own the full partner vetting process end-to-end:

• Lead operational assessments for new installer partners—covering financials, certifications, and operational readiness.
• Conduct credit scoring, business verification, and fraud prevention checks before partners access financing features.
• Set and monitor exposure limits per partner based on financial health and performance metrics.
• Coordinate site visits, sample testing, and periodic reviews to maintain partner quality.
• Manage onboarding across five European markets, adapting processes to local requirements.

Portfolio Monitoring & Modelling

You'll build the analytical backbone of our risk function:

• Develop and maintain portfolio monitoring dashboards tracking credit quality, concentration, and early warning signals.
• Build and refine risk models to support underwriting decisions and portfolio management.
• Analyze trends across regions, installers, and customer segments to identify emerging risks.
• Prepare risk reporting for internal stakeholders and support covenant monitoring.

At Cloover, risk analysts don't just check boxes—they shape how we scale. You'll have direct impact on portfolio quality, partner standards, and the systems that enable €100M+ in financing.

• 2-3 years of relevant experience in credit risk, underwriting, KYC/AML, or portfolio management.
• Bachelor's degree (minimum) in Finance, Economics, Business, or a related field.
• Excel power user; comfortable with data analysis and building models from scratch.
• Bonus: Experience with BI tools (Metabase, Power BI, Tableau) or credit decisioning platforms.
• Bonus: Experience with programming languages (Python, R)
• You constantly strive to achieve exceptional things and are always willing to go the extra mile.
• You thrive in fast-paced, high-intensity environments where ambiguity is the norm.
• Proactive, detail-oriented, and not afraid to challenge assumptions or flag concerns.
• Ambitious—you want to grow into a senior role and take on increasing responsibility as we scale.
• Team player who takes ownership and delivers under pressure.
• Fluent in English and German (required).

• Join Europe’s fastest-growing climate fintech, driving impact at scale.
• Exposure to triple-A investors, banks, and institutional lenders.
• Work directly with the Head of Risk, CFO and senior management, shaping real deals and decisions.
• Based in our central Berlin office (Prenzlauer Berg).
• Find balance with an Urban Sports Membership and a vibrant international team.
• We support you with a structured and personalized onboarding process
• Supportive + diverse team that values collaboration 
• You will learn extremely fast and across a wide range of topics in an early-stage company 
• Meaningful work with real impact on climate & society 
• We believe diverse teams build better solutions and welcome applications from all people, regardless of gender, origin, age, identity, or background.