Credit Underwriter

Job Description: Credit Underwriter – SME Lending

We are looking for a sharp and experienced Credit Underwriter to join topi and help shape the future of SME lending. You’ll play a critical role in assessing credit risk, supporting sustainable growth, and helping us make smart, data-informed decisions that enable businesses across Germany to thrive.

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Here are just a few of the things you’ll do in this role:

Make credit decisions that matter: You will assess applications from small and medium-sized businesses, using a mix of data and judgment to make sound lending decisions that help customers and protect our portfolio.

Be the expert on SME risk in Germany: Your understanding of the local business environment will help us better evaluate borrower profiles and develop market-relevant underwriting approaches.

Drive process excellence: You’ll help build and refine underwriting workflows, working closely with product and data teams to introduce automation and improve decision quality and speed.

Collaborate across teams: Work with our sales, operations, and risk teams to find the right balance between customer impact and credit quality.

Get hands-on: You’re not afraid to dive deep into financial statements, spot risks early, and help resolve complex cases or edge scenarios with creativity and rigour.

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Who we’re looking for

We’re looking for talented individuals with deep credit expertise and a sharp eye for risk.

• You have 3–5 years of experience in credit underwriting for SMEs, preferably at a bank, fintech, or leasing company.
• You understand how to assess financial and non-financial SME risk — from cash flows and collateral to customer concentration and business models.
• You are familiar with the German SME market and know what matters most when evaluating German businesses.
• Bonus: You have experience in asset-backed financing or leasing and understand the dynamics of equipment financing.
• You have strong attention to detail — you spot inconsistencies, ask the right questions, and double-check the numbers.
• You are data-driven, comfortable working with Excel or databases to support your decision-making.
• You have great communication skills and can clearly explain your decisions to both internal and external stakeholders.
• ✅ Must: You speak and write German fluently and can operate professionally in English.
• It would be an added bonus if you have some experience working with SQL.

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You will fit right in if you enjoy

🧠 Thinking like an investor – you’re not just looking at data, you’re thinking about the full business picture.

📊 Solving problems with structure and logic – you enjoy breaking down complex decisions and backing them up with data.

🚴 Working in fast-moving environments – you stay calm when priorities shift and know how to adapt without losing focus.

🤝 Working as a team – you collaborate with stakeholders across teams and help align risk and commercial goals.

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About topi

Would you like to work on the forefront of digital innovation and rethink hardware subscriptions? Would you like to help SMBs run more efficiently? Would you like to join a fast-growing Berlin-based FinTech and work with some of the most passionate people in the FinTech world? Welcome to topi 🤝.

topi is creating the tech infrastructure that will allow any retailer or manufacturer to offer their products as a hardware subscription to business customers. We have raised $50M in funding since Fall 2021 from leading investors including Index Ventures (Robinhood, Slack, Notion), CREANDUM (Spotify, Klarna, Trade Republic), and TriplePoint Capital.

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