Freelancer Risk Manager (all genders)
About VEXCASH AG
VEXCASH AG is Germany’s leading online credit provider for short-term loans, trusted by over 500,000 customers. Our mission is to deliver fast, flexible financial solutions without long-term commitments. We foster an inclusive, innovative culture and are committed to diversity and equal opportunity.
Position Overview
We are seeking a Risk Manager to join our team as a freelancer. This fully remote role is open to candidates based in near-CET time zone. You will play a key role in risk management, underwriting, scoring, risk reporting, fraud prevention, and risk-adjusted pricing for our growing fintech business.
Key Responsibilities
- Lead credit risk analysis, including underwriting, scoring, and risk-adjusted pricing strategies
- Develop, monitor, and update scorecard models using statistical tools; assess performance and stability of variables, define new segments, and set credit decision strategies
- Integrate and optimize external risk management and fraud prevention tools
- Design, improve, and automate risk reporting; develop new reports from scratch as needed
- Monitor key risk KPIs at segment and portfolio level and deliver actionable insights to management
- Conduct ad-hoc analyses and prepare reports for top management
- Test and validate risk measures in internal systems; ensure compliance with internal and external requirements
- Collaborate with cross-functional teams (e.g., Product, IT, Data) to assess the impact of product and pricing changes on risk
- Stay current with industry best practices and regulatory requirements in consumer credit risk
- Bachelor’s or master’s degree in mathematics, statistics, IT, finance, or a related field
- Minimum 3 years of experience in risk management and data analysis, ideally in the financial sector (banking or financial services)
- Proven experience managing consumer credit portfolios at portfolio level
- Strong skills in building predictive models and handling large datasets
- Advanced proficiency in SQL/MySQL and Python (required); experience with R, VBA, SAS, Tableau is a plus
- Strong analytical, problem-solving, and communication skills
- Ability to work independently, reliably, and with meticulous attention to detail in a remote environmen
- Fluent in English; German language skills are an advantage
- Competitive remuneration
- 100% remote work with flexible hours (CET core hours preferred)
- International, inclusive, and supportive team culture
- Opportunities for professional development and further training
Application Process
Please send your CV (and, if available, a brief cover letter or project portfolio) to jobs@vexcash.com. We comply with GDPR and treat all applications confidentially.
If you are motivated to shape the future of digital lending and thrive in a dynamic, remote-first environment, we look forward to hearing from you!