Qred Bank AB

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Customer Operations & Loan Specialist (DACH Region) for the next phase of growth. About the Role You will directly impact small business growth by evaluating credit applications and guiding German-speaking entrepreneurs through tailored financing solutions. This role bridges direct customer engagement with financial assessment, giving you end-to-end ownership of customer onboarding and credit execution in a rapidly scaling market. Key responsibilities Evaluate business loan applications by analyzing operational performance and credit risk in partnership with underwriting. Manage high-volume customer inquiries across phone, chat, and email to ensure fast and transparent loan processing. Structure customized financing proposals that align with applicant business models and cash flow requirements. Develop long-term customer relationships through proactive account management and product portfolio adoption. Transition into full credit underwriting authority to independently approve and manage small business loans over time. What we’re looking for You bring a structured, analytical approach to problem-solving and excel at building trust with business owners. You are motivated by operational ownership, adapt quickly to changing priorities, and want to contribute to building robust customer operations frameworks. Qualifications Native-level or fluent professional proficiency in German, alongside strong working proficiency in English. Practical background in customer operations, client management, or sales within financial services or fintech. Foundational experience analyzing financial statements, credit data, or business metrics. Educational background in business, economics, finance, or a related field (or equivalent practical experience). Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Onsite

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Collection Specialist - German Market for the next phase of growth. About the Role In this role, you will bridge the gap between risk mitigation and customer success by managing late-stage payment workflows for our German business customers. You will have end-to-end ownership over customer interactions, using data-driven insights and direct phone outreach to balance customer satisfaction with financial recovery. This position is vital to protecting Qred’s portfolio quality as we scale across Northern Europe. Key responsibilities Execute high-volume outbound phone outreach to German business customers with overdue accounts to negotiate sustainable payment arrangements. Manage incoming inquiries regarding complex payment plans, account balances, and settlement options. Maintain complete documentation of all customer interactions and financial commitments within our CRM system. Collaborate cross-functionally with Customer Success and Underwriting teams to resolve discrepancies and refine recovery processes. Track incoming payment trends to identify systemic risks and inform data-driven operational decisions. What we’re looking for We are looking for a structured, clear communicator who thrives in a fast-paced fintech environment. You bring a pragmatic problem-solving approach to challenging conversations and demonstrate strong alignment between customer needs and commercial risk management. You are motivated by continuous process improvement and take full ownership of your daily workflows. Qualifications Fluency in German and professional proficiency in English. Experience in customer support, commercial roles, or collections within fintech or regulated financial services is beneficial. Strong communication skills with comfort managing a high volume of direct phone outreach. Structured approach with high attention to detail for tracking data and CRM records. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Onsite

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Product Manager for the next phase of growth. ABOUT THE ROLE As a Product Manager in Qreds card domain, you take ownership of our card product, bridging the gap between card architecture, payment ecosystems, and business impact. Working alongside an Engineering Manager or Tech Lead, you drive the "why" and "what" to build scalable card infrastructure, optimize cardholder experience, and deliver real value to small businesses through daily financial tools. KEY RESPONSIBILITIES * Define the vision, strategy, and prioritized roadmap for Qreds Credit Card to align with Qred's commercial goals and market expansion. * Lead qualitative and quantitative research using to optimize customer experience, spend engagement, and feature adoption. * Partner with Engineering and UX to lead a cross-functional card team, fostering an environment of technical precision and execution. * Own the lifecycle of card products and features from ideation to launch. * Enhance our mobile app and expense management experience to make day-to-day financial workflows effortless for business owners. * Monitor card performance indicators (activation, transaction volume, interchange economics), analyze market trends, and drive commercial impact across the card product space. * Elevate our mobile app and expense management experience to turn complex day-to-day financial workflows into delightful, effortless moments for entrepreneurs. WHAT WE’RE LOOKING FOR You are a sharp, forward-thinking leader with a data-informed mindset who thrives on building alignment across teams and delivering game-changing payment products. You love high-ownership environments, get energized by unpacking complex payment and card ecosystems, and are deeply motivated to build seamless, scalable financial tools that make life easier for thousands of business owners every day. QUALIFICATIONS * Several years of experience leading cross-functional teams and managing complex products through the full development lifecycle. * Solid background or strong expertise in mobile app development, expense management, credit cards, payment processing, or commercial card operations. * Practical experience with structured product discovery methods, quantitative data analysis, and iterative experimentation. * Strong technical grasp of software architecture, APIs, card management integrations, and system dependencies to collaborate effectively with engineering leads. * Experience in fintech, card issuing, merchant processing, or other highly regulated financial environments is preferred. WHY QRED? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! ONE LAST THING This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Onsite