iwoca is hiring a

Credit Application Analyst - German Speaking (Frankfurt-based)

Frankfurt am Main, Germany

iwoca is breaking down the barriers that stop Europe’s 20 million small businesses from accessing finance. Traditional bank loans have slow application processes, inflexible terms and burdensome criteria. In contrast, we use cutting-edge technology to offer flexible access to credit with a five minute application process and a decision in hours.

Since 2012, we've lent over £400 million to over 20,000 businesses across Europe. Our customers include everything from cafés to car dealers, salons to solicitors. Along the way we have built a sophisticated technology platform, won numerous awards and grown a fun, and vibrant team.

However, we’re still near the start of our journey – our aim is to finance a million small businesses within a decade and so we need more smart, hands-on people to help us reach this goal.


At iwoca, we really love our customers, we want them to have the best possible experience. We understand that financial matters can be confusing and frustrating for small businesses. Our Credit Application Analyst Team make sure that applications are complete and include all necessary information. In addition, by working quickly and focusing closely on quality, we ensure that this exceptional experience is also delivered in the shortest possible time.

The Credit Application Analyst document review team delivers important tasks at iwoca:

  • Speedy and accurate processing of customer documents for loan applications with use of our state-of-the-art CRM and analytical systems
  • Pre-screening potential customers including verifying documents, applicant's’ credit history and financial information
  • Own and uphold our KYC and AML standards
  • Identifying red flags in customer applications indicating potential fraud attempts, money-laundering or financial issues
  • Ensuring data and documents are entered into systems properly to make a lending decision
  • Help in developing new processes for document review and assisting with implementation in the value chain of team Germany.
  • Screening for PEP involvement

Working closely with our Customer Journey Executive & Credit Analyst Team, you will be responsible for ensuring high quality and completeness of business documents submitted by our clients.

You will need:

  • A good understanding of financial documents commonly used in Germany
  • Be ready to take over ownership within our team and communicate with other country teams
  • Be a strategic thinker who is able to understand, assess and improve complex processes
  • Ability to plan and prioritise your own work
  • Incredible attention to detail and ability to spot missing data from a mile away
  • A communicative personality and good team player skills
  • Capable of working autonomously
  • Proactive self-starter approach, eager to be part of a young and dynamic team
  • A perfect blend between onboarder, admin and data analyst


You will always have a say in the business and have the opportunity to really make a difference. Joining our team means you will be working on some cool projects and get the opportunity to really make a difference to people’s lives. We also help all our employees become top performers and reward everyone in numerous different ways. Everyone at iwoca is smart, humble and motivated to do a good job so you are bound to love working here.

In addition to a competitive salary, we also provide the following:

  • A smart, fun and internationally diverse team - together, we represent over 35 different nationalities
  • Company retreats in great locations - we have at least two per year in places like the French Alps and by the Spanish seaside
  • 23 days holiday a year, plus all bank holidays, plus a day off for your birthday
  • The opportunity to give your time to support a charity of your choice, via a paid volunteering day
  • Additional leave so that you can take more time to go travelling or to study, outside of your holiday allowance

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