Credit Specialist

Location of Job: 
Berlin, Germany
06 Jun 2019
20 Jun 2019
About the organization: 

Access Microfinance Holding AG („AccessHolding“) was established in 2006 by a group of international shareholders from the public and private sector. Our partners include among others the European Investment Bank (EIB), the International Finance Corporation (IFC), and KfW Development Bank. The business purpose of AccessHolding is to build up and control a network of commercial banks in developing and transition countries (the “AccessGroup”) with a target group focus on micro, small and medium-sized enterprises (MSMEs). The AccessGroup currently comprises ten financial institutions located in Sub-Saharan Africa, Central Asia, the Caucasus, and South America and employs close to 7.000 staff serving more than 1.5M clients. The head office of AccessHolding, the parent company of the Group, is located in Berlin, Germany.

About the Job: 

As the Credit Specialist within Berlin based Business Department, you will be driving forward the digital innovation in the business. Your main responsibilities are the digitalization of the credit loan cycle across AccessHolding's financial institutions and the management of the subsequent changes from a business and process perspective.

On a day to day basis you will support each individual financial institution with advice on how to design and price the credit product offering. You will further improve processes and procedures governing the lending process as well as strengthen the loan assessment capacities within the network. When discussing options with the business managers of each institution you will always advocate for change and continuous improvement. You will rethink and redesign the lending process and lead the change management in this regard. In fulfilling the role of Credit Specialist you will have a chance to work in close collaboration with the local management boards across a network of financial institutions.

Tasks and Responsibilities:

  • Review of credit product conditions and procedures and ensuring balanced approach between desired profitability and growth of product and risk management.
  • Continuous improvement of existing business solution and input to design of future solutions (focus on digitalization of the loan cycle).
  • Ensuring that regular training and certification completion is done for all sales staff regarding procedural and process understanding.
  • Establish clear channels for regular update on Business issues for banks and AH departments.
  • Collaboration with other departments on relevant issues (Audit plans, Risk input, L&D issues, presentations to stakeholders, OST etc.).
  • Preparation, conduction and follow-up of best-practice and knowledge sharing platforms (for example business workshops).


  • Master’s degree in finance, economics, business administration, or equivalent.
  • Bachelor’s degree in one of the above, plus eight years of working experience.
  • Minimum five years of experience in operational management of financial institutions (ideally asset side of business) – preferably as a member of the management team, but candidates from middle management (Head of Products, Head of Departments) with proven track record are considered as well.
  • Track record of successful implementation of change management projects.
  • Fluency in English (plus fluency in French is preferred).
  • Extensive experience in analysis of MSME loans and lending technology as well as management of loans.
  • Experience in managing operational and credit risk.
  • Data analysis skills Track record of excellent communication skills.
  • Pro-active and self-driven approach.
How to Apply: 

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