Junior Forderungsmanager*in (m/w/d)

iwoca

The company Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team We’re growing fast, and more customers means more credit decisions. Our credit team is expanding and we’re looking for experienced analysts to assess our customers in a fast, fair and accurate way. The role * To assess credit applications - you’ll use your experience, a variety of data sources and our tech platform to make fast, fair and accurate decisions. * You’ll have autonomy in decisioning, the scope of which will increase over time as you build knowledge of our systems and processes. * You will support other analysts on larger and more complex decisions, which is a key part of our workflow. * Our credit decisioning is data driven. You’ll work alongside our analytics teams to optimise our approach to lending and adapt your own approach in line with that goal. Requirements Essential: * Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use. * We look for people who are smart, humble, motivated and who are always looking to improve. * Knowledge of foundational finance and accounting principles, whether acquired academically or through an internship * Strong business acumen and a working understanding of the risk and revenue drivers that influence the creditworthiness of a loan application * The ability to interpret & analyse financial statements * A motivated and enthusiastic attitude that works well in a regularly changing and fast paced environment * Excellent communication skills in business English and German * An analytical mindset with a practical approach to problem solving. You come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve efficiency Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience. The salary We expect to pay from €46.000 — €55.000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices We put a lot of effort into making iwoca a brilliant place to work: * Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. * Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset. * 26 days of vacation a year plus a free day for your birthday. * One-month fully paid sabbatical after 4 years. * Mental health support with direct access to certified psychologists via our partner OpenUp. * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield. * Access to the gym membership program, €25 for either Fit711 or Urban Sports Club. * €30 contribution towards the Deutschlandticket. * Company Pension with Canada Life. * Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg. * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * Corporate Benefits discounts. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day. And to make sure we all keep learning, we offer: * A learning and development budget for everyone, including a book budget. * Learning German budget. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse. Useful links: * See iwoca benefits & policies for detail and some additional benefits. * See iwoca interview welcome pack.

Finlex

HELLO! HALLO! BUENOS DIAS! Bei Finlex gilt: „Let your challenges be ours!“ Als technologiegetriebener Spezial- & Wholesale-Makler sind wir der verlässliche Partner für Versicherungsmakler, wenn es um komplexe Versicherungslösungen in den Bereichen Financial Lines und Cyber geht. Financial Lines umfassen unter anderem Vermögensschadenhaftpflicht-, D&O- und weitere Managerhaftpflicht-Versicherungen – also Absicherungen für unternehmerische Entscheidungen und berufliche Verantwortung. Cyber-Versicherungen schützen Unternehmen vor den finanziellen Folgen von Cyberangriffen, Datenschutzvorfällen und IT-Ausfällen. Unser Anspruch: Komplexität reduzieren und Sicherheit schaffen. Wir begleiten unsere Partner ganzheitlich – von der Risikoanalyse über die Ausschreibung und Platzierung bis hin zur professionellen Begleitung im Schadensfall. Als Unternehmen stehen wir für flache Hierarchien, Zusammenarbeit auf Augenhöhe und echten Gestaltungsspielraum. Unsere Kultur ist geprägt von Transparenz, Vertrauen, Fairness und Verlässlichkeit. Als Junior Sales Consultant (m/w/d) bist Du Teil unseres Sales Teams. Du entwickelst Dich Schritt für Schritt zu einem vertrieblichen und fachlichen Ansprechpartner für unsere Kooperationsmakler und lernst von erfahrenen Branchenexperten. Du übernimmst früh Verantwortung – sowohl in der Gewinnung neuer Partner als auch in der strategischen Betreuung und Weiterentwicklung bestehender Geschäftsbeziehungen. Dich erwartet: * Eine steile Lernkurve in einem spezialisierten Marktumfeld * Ein wachstumsstarkes und hochrelevantes Produktportfolio * Direkte Einblicke in unternehmerische Entscheidungsprozesse * Verantwortung und Entwicklungsperspektiven WAS DICH IN DIESER POSITION ERWARTET * Gewinnung neuer Kooperationspartner: Du identifizierst potenzielle Maklerpartner für Finlex, analysierst deren Potenzial und sprichst sie gezielt an – telefonisch, digital oder persönlich auf Veranstaltungen. * Onboarding und Integration neuer Partner: Du begleitest neue Kooperationsmakler professionell durch den gesamten Onboarding-Prozess. Dabei koordinierst Du interne Schritte, organisierst Schulungen und stellst sicher, dass neue Partner effizient in unsere Prozesse und Strukturen integriert werden. * Beratung & Präsentation unseres Leistungsportfolios: Du präsentierst unser spezialisiertes Leistungs- und Serviceangebot strukturiert und überzeugend. Dabei zeigst Du klar auf, welchen fachlichen und wirtschaftlichen Mehrwert eine Zusammenarbeit mit Finlex bietet. * Betreuung & Weiterentwicklung bestehender Partnerschaften: Du pflegst den regelmäßigen Austausch mit unseren Kooperationsmaklern – häufig auf Geschäftsführerebene. Du bist Ansprechpartner für fachliche und organisatorische Fragen und sorgst für eine nachhaltige Entwicklung der Zusammenarbeit. * Geschäftsausbau & Cross-Selling: Gemeinsam mit Deinen Partnern identifizierst Du Wachstumspotenziale, initiierst Vertriebsmaßnahmen und hebst Cross-Selling-Chancen insbesondere im Bereich Financial Lines und Cyber. * Datenanalyse & CRM-Weiterentwicklung: Du bereitest vertriebsrelevante Daten auf, analysierst Leads und Geschäftschancen und leitest daraus konkrete Maßnahmen ab. Zudem wirkst Du aktiv am Auf- und Ausbau unseres CRM-Systems mit, um Vertriebsprozesse effizienter und transparenter zu gestalten. * Markt- und Partnerfeedback: Du holst aktiv Feedback aus dem Markt und von unseren Partnern ein, analysierst dieses strukturiert und gibst Impulse zur Weiterentwicklung unserer Produkte, Services und Prozesse. WAS FÜR DIESE POSITION AM WICHTIGSTEN IST * Abgeschlossene kaufmännische Ausbildung oder Studium im Bereich Betriebswirtschaft, Finanzdienstleistung, Versicherungswirtschaft oder vergleichbar * Erste Erfahrung im Vertrieb, in der Beratung oder im Kundenmanagement – idealerweise im B2B-, Versicherungs- oder Finanzumfeld – ist von Vorteil, aber kein Muss * Ausgeprägte Kunden- und Serviceorientierung sowie souveräne Kommunikationsfähigkeit * Freude an Beratung, Vertrieb und dem Aufbau nachhaltiger Geschäftsbeziehungen * Strukturierte, eigenverantwortliche Arbeitsweise mit klarem Prioritätenmanagement * Hohe Lernbereitschaft und echtes Interesse an komplexen Versicherungsthemen * Reisebereitschaft WAS WIR DIR BIETEN Durch unsere flachen Hierarchien ermöglichen wir eine Zusammenarbeit auf Augenhöhe, schaffen Raum für das Einbringen eigener Ideen und geben unseren Mitarbeitern so die Möglichkeit, etwas zu bewirken. Da auf diese Weise jeder seinen Teil beiträgt, legen wir großen Wert auf die Entwicklung und das Wohlbefinden unserer Finlexer: Finanzieller Komfort * Attraktives Gehaltspaket mit i. d. R. unbefristetem Arbeitsvertrag * Gute Absicherung mit arbeitgeberfinanzierter Altersversorgung (bAV) Work-Life-Balance * 30 Tage Jahresurlaub * 2 zusätzliche freie Tage an Weihnachten (24.12.) und Silvester (31.12.) * Flexibles Arbeiten vor Ort, im Homeoffice oder mit Remote Work * Frei gestaltbare Arbeitszeiten nach den eigenen Bedürfnissen Individuelle Entwicklungsmöglichkeiten * Jährliches Weiterbildungsbudget * Vielfältige und bedarfsgerechte Weiterbildungsmöglichkeiten Top-Ausstattung im Büro, im Home Office und unterwegs * Moderne und ergonomisch eingerichtete Büros in Frankfurt am Main, Berlin, Maxdorf, Düsseldorf, Essen und Wien * Heiße und kalte Getränke, Obst und Snacks in unseren Büros für dein leibliches Wohl Goodies & Benefits * „Pluxee“-Karte mit monatlichem Guthaben * Monatliche Zuschüsse zu „Lease a Bike“ * Attraktive Mitarbeiter-Rabatte mit „Corporate Benefits“ * Regelmäßige Get-togethers und Teamevents DU WILLST MEHR ÜBER UNS ERFAHREN? Dann besuch gerne unsere Webseite. DU HAST FRAGEN ZU DER STELLE? Melde Dich gerne jederzeit bei Maria unter maria.kirimkeridis@finlex.de Chancengleichheit und selbstbestimmte Teilhabe Schwerbehinderter und Gleichgestellter sowie eine respektvolle Zusammenarbeit sind innerhalb Finlex fest verankerte Grundsätze. Deshalb werden schwerbehinderte und gleichgestellte Bewerber:innen bei gleicher Eignung bevorzugt berücksichtigt.

Nielen Schuman

Associate Debt Advisory (Frankfurt) Nielen Schuman is a leading independent corporate finance advisory boutique in the Benelux. Established in 2002, the firm has extensive experience in providing corporate finance advisory and execution services to a broad range of medium to large-sized business owners, corporates, institutions, management teams and investors. Our services include mergers & acquisitions, strategic advisory, capital raising, capital restructuring and related advisory services. Nielen Schuman is the market leading debt advisory firm in the Benelux for private equity As part of our continued growth strategy, we are expanding our footprint into the DACH region, with the ambition to establish a dedicated presence in Germany. This expansion represents a key strategic priority and offers a unique opportunity to be at the forefront of building a new platform within an established and highly reputable firm. At Nielen Schuman, we provide truly independent advice, fully aligned with the interests of our clients. Our approach is tailored to the complexity of each situation, combining deep market insights with execution excellence. This has resulted in long-term client relationships built on trust, collaboration and a deep understanding of our clients’ needs. Our team consists of high-performing professionals with a down-to-earth and entrepreneurial mindset. We value intellectual curiosity, diversity of thought and the confidence to challenge conventional approaches. We offer exposure to a wide range of industries and transactions in a dynamic, international deal environment, while fostering a collaborative culture focused on personal and professional growth. Associate Debt Advisory Nielen Schuman is seeking to add an Associate Debt Advisory to our growing team in Germany. An Associate Debt Advisory at Nielen Schuman is ambitious, has a naturally inquisitive and entrepreneurial mindset and is intrinsically motivated by being part of and contributing to building a leading Benelux corporate finance advisory franchise. At Nielen Schuman, you can make a difference. We offer you the opportunity to immediately integrate into the team and gain valuable experience in the various aspects of debt advisory. We work in effective and highly collaborative deal teams with limited hierarchy in which you will join as a full member and have close interaction with our senior dealmakers and clients’ executives from day 1. You will be involved in all phases of deal sourcing and transaction execution; from deal origination, capital structuring, due diligence coordination and negotiation to closing. As such you will have a guiding role on performing financial analyses, company and market analyses, reviewing term sheets and contribute to the drafting of client presentations, developing financing memoranda and other process related documents. You will be provided with the support to master the deal sourcing and execution process and be rewarded with substantial responsibility and a steep learning curve. Your Responsibilities * Supporting our clients in arranging acquisition funding, refinancings, recapitalisations transactions and restructuring processes * Conducting business and market analyses, including complex financial models and reports, capital structuring options, reviewing due diligence reports and lender feedback analysis * Preparing for and participating in client presentations and pitches * Day-to-day project participation and interacting with counterparts at clients, potential lenders and other professional advisors * Coordinating and supporting the due diligence process and information requests * Guiding and revising the work of analysts * Mentoring analysts and working collaboratively with other mediors to further develop the pool of talented junior team members * Building and maintaining an external network and relationships with prospective clients, lenders, market participants and professional advisor What will make you successful in this role * A master's degree in finance or equivalent * 3-5 years of experience in financial advisory, corporate finance or investment banking, preferably in leveraged finance, structured finance, or debt advisory * Fluency in English and German language skills are required given the DACH focus * Excellent analytical, project management and interpersonal skills * An entrepreneurial mindset, collaborative mentality and drive to succeed * Experience with financing structures, LMA documentation, accounting principles and Excel modelling What we offer our future colleagues * A non-hierarchical environment based on openness and mutual respect * A high level of responsibility within a framework of personal development and support * An entrepreneurial environment with a shared ambition to further grow the firm * The opportunity to work alongside the best professionals in a high international deal flow environment * Ability to work on a wide variety of assignments across various disciplines of our advisory service, thereby developing yourself as an all-round corporate finance professional * A highly competitive salary and bonus eligibility