About the role
ABOUT US Pliant 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. We serve two primary customer segments: Companies looking to optimize operational processes through intuitive apps and APIs, gaining control, automation, and financial flexibility through extended credit lines. Businesses such as financial software platforms, ERP providers, and banks that want to launch or enhance their credit card offerings using Pliant’s embedded finance and white-label solutions. 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 (EMI), we issue credit cards in 11 currencies across more than 30 countries, helping companies streamline and simplify payments. Learn more at www.getpliant.com
ABOUT
THE ROLE As Credit Risk Manager you are responsible for credit risk assessment of our US and SME and corporate clients. In addition to case processing, you will be involved in continuously improving our standards, documentation and tech stack. You will work closely with James, our CRO, and colleagues from Sales, Legal, Operations, Product, Data and Risk teams. WHAT YOU’LL DO Your daily tasks include: Due diligence : Assess who our customers are, how and with whom they operate their business model, what their public and financial profiles are. 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 of our customers within your delegated authority and help us build and maintain a performing loan book. Innovation : You get to the heart of complex operational workflows and systems. You understand how to systematize business problems and design smart solutions. You will help us building scalable yet compliant straight-through processes, including the utilization of AI capabilities. Communication : You are a facilitator and ensure a smooth and fact-based information flow between your colleagues. In doing so, you support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results. WHAT YOU’LL BRING Minimum 4 years of operational experience in credit risk assessment for US corporate or SME customers from a bank or fintech. Strong knowledge of accounting principles and industry-specific financial analysis. CFA or similar
