Credit Risk Officer

remote - Germany, Spain, Czech Republic, Portugal, Slovakia or Austria

We are Europe's leading platform helping founders manage and obtain capital. Built by experienced entrepreneurs. Powered by tech- and finance-driven minds. Backed by top-tier venture capital investors.

Our platform – the Capital Operating System – delivers clarity, guidance, and seamless access to capital. It empowers founders to make smarter financial decisions and puts them in control at every step.

We value flat hierarchies, full ownership and responsibility. Trust and open, honest communication are crucial to us, as it makes everything else easier. We work together and grow as a team.

Focus on Execution: We love and live off great ideas, but to create value we need to focus on execution.

Don't Fear Failure: We know that failure is an innate part of learning and success, so we value these experiences and take them as opportunities to try again and get better.

Trust Your Team: We trust our peers to do their best to achieve our shared goals, support each other and share their feedback so we can all grow and develop.

As our Credit Risk Officer, you will be responsible for shaping how we assess and manage credit across a portfolio of growth tech companies.

You'll play a key role in building a scalable, tech-driven risk infrastructure and work closely with our Finance, Product, and Data teams to ensure every credit decision is robust, data-driven, and aligned with our growth ambitions.

This is a hands-on role for someone who combines strong analytical thinking with sound judgment – and who's excited about bringing structure and innovation to a fast-moving fintech environment.

• Lead deal structuring and credit decisioning, ensuring a healthy balance between risk and return
• Shape collections, risk mitigation, and recovery strategies, working closely with external partners
• Continuously evolve risk policies, processes, and tools to improve scalability and automation
• Collaborate with funding partners, auditors, and legal advisors to maintain strong governance and compliance
• Act as a strategic partner to leadership, delivering insights that help balance growth ambitions with disciplined risk management

• 5+ years of experience in SME credit risk or lending operations in a bank, fintech, or financial institution
• Strong background in debt financing; exposure to venture debt or tech financing is a big plus
• Strong understanding of credit documentation, including loan and security agreements
• Experience working cross-functionally with Product, Finance, and Data teams to support automation and scalable decisioning
• Fluent in English; German is a plus
• Strong communication skills with the ability to translate data into strategic insights
• Self-driven, organised, and comfortable working independently in a fast-paced environment
• Valid EU work permit and residence within the EU (re:cap does not offer visa or relocation support at the moment)

• Remote first. Our team is located all over Germany and Europe, with the flexibility of 100% home office. However, if you are in Berlin you are more than welcome to come around the office and maybe even bring your furry friend
• Stock options. Every employee receives stocks, because our success is also your success
• Development opportunities. Because we care about your growth, we have regular feedback talks as well as set paths for the development of each employee
• The latest tech equipment. Every new team member receives an Apple MacBook Air to guarantee smooth productivity
• Flexibility. We offer flexible working hours and value asynchronous communication as well. On top we offer 25 vacation days
• Team building. Meet the team at in-person on-sites, get a buddy to fully integrate into the company and join other team events
• Workation. Experience the blend of work and leisure with our worldwide new benefit catering to your work-away-from-home needs
• International health insurance for business trips and workation. We prioritise your well-being and guarantee you comprehensive insurance cover, no matter where your travels take you
• We care about security. You will receive 1password family membership
• Choice. You get a monthly budget to finance a benefit of your choice

Even if not all of these points fit 100% we encourage you to apply We hire also for attitude, not just for knowledge and are looking forward to hearing from you soon.

Easy steps for a smooth hiring process

• Application Review
• Get to know re:cap
• Case study/Take home Assignment (depending on the position)
• Role-specific Interview
• Get to know the team
• Offer

We are committed to foster a diverse and inclusive workplace where we provide equal opportunities regardless of age, gender identity, disability status, ethnicity, sexual orientation, or religion. Therefore we encourage you to apply as all qualified applications will be taken into consideration.