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.

• 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.