Join TF Bank as a Senior Credit Risk Analyst in Hamburg, where you'll lead credit risk assessments, develop sophisticated risk models, and drive data-driven decisions to safeguard our lending portfolio while ensuring compliance with regulatory standards.

About TF Bank:

TF Bank is a leading digital bank specializing in consumer lending and savings products across Europe. With a strong presence in Germany, we are committed to innovation, customer-centric solutions, and robust risk management practices.

The Role:

As a Senior Credit Risk Analyst (m/f/d), you will be at the heart of our risk management team, responsible for evaluating creditworthiness, building predictive models, and providing actionable insights to support business growth. This position offers the opportunity to work on cutting-edge projects involving machine learning applications in credit scoring and portfolio optimization.

Key Responsibilities:

• Conduct in-depth analysis of credit applications and monitor existing portfolios for early warning signals
• Develop, validate, and implement credit risk models using advanced statistical techniques
• Perform stress testing and scenario analysis to assess potential impacts on the loan book
• Collaborate with underwriting, sales, and compliance teams to refine risk policies
• Prepare reports and presentations for senior management and regulatory bodies
• Stay updated on industry trends, regulatory changes, and emerging risks in the financial sector

Why Join Us?

Located in vibrant Hamburg, you'll enjoy a dynamic work environment that values expertise, initiative, and work-life balance. We foster a culture of continuous learning and offer clear career progression paths for top performers.

• Bachelor's or Master's degree in Finance, Economics, Mathematics, or a related field
• 5+ years of experience in credit risk analysis, preferably in banking or financial services
• Proficiency in statistical modeling, data analysis tools (e.g., SQL, Python, R, SAS), and risk management software
• Strong knowledge of Basel regulations, IFRS 9, and credit scoring methodologies
• Excellent analytical skills with experience in portfolio monitoring and stress testing
• Fluency in English and German; additional languages are a plus
• Advanced Excel skills and familiarity with BI tools like Tableau or Power BI

• Competitive monthly salary in the range of €6,500 - €9,500, depending on experience
• Comprehensive health insurance and pension contributions
• 30 days of annual leave plus public holidays
• Flexible working hours and home office options
• Professional development opportunities, including certifications and training
• Modern office in Hamburg with excellent public transport links
• Performance-based bonuses and employee wellness programs