Advanced Credit Risk Specialist
Mollie is looking for a talented and motivated Credit Risk Specialist to join our Risk & Fraud department. Beyond technical skills, we’re seeking someone who thrives in a collaborative environment, contributes to a positive team culture, and is driven to learn, grow, and improve how we work.
In this role, you’ll play a key part in onboarding new merchants and monitoring our existing portfolio to detect and manage credit risk. You'll work closely with our commercial teams and have a direct impact on Mollie’s growth and value creation — all while helping refine our processes and ensuring smooth information flow across the business.
What You’ll Be Doing
Conduct full credit assessments for new merchants, with clear, risk-mitigating recommendations.
Continuously monitor existing portfolios (SMBs and Enterprises), and advise on credit limits or collateral adjustments.
Help improve internal credit risk models, policies, and processes.
Respond to internal and external stakeholders on credit risk matters.
Analyze financial statements to evaluate merchant health and risk to Mollie.
Assess a broad range of data — business models, credit scores, bank statements, processing history, and peer benchmarks — to develop a comprehensive risk profile.
You’ll be part of a small, focused team solving clearly defined challenges together.
What You’ll Bring
At least 2 years of experience in commercial credit assessment or risk analysis.
Ability to thrive under autonomy.
Full proficiency in both German and English.
Strong understanding of financial statements and core accounting principles.
Experience with high exposure clients, complex business models, or high-risk sectors.
Familiarity with e-commerce verticals is a big plus.
Familiarity with payment services and methods – an advantage.
Excellent analytical skills and a curiosity to understand how and why things work.
Ability to improve workflows and information sharing across teams.
A proactive team player with strong communication and interpersonal skills.
Academic background in finance, accounting, or a related field.
Full professional proficiency in English.
Bonus: Additional language skills such as Dutch or French are a strong advantage.
Why Join Mollie?
A collaborative, supportive, and fast-paced team environment.
Real opportunities to influence key processes and grow professionally.
A workplace that values initiative, transparency, and mutual respect.