- Cloover
- Berlin, BE
- Full-Time
- 6 days ago
Portfolio Operations & Underwriting Analyst (On-site).
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Portfolio Operations & Underwriting Analyst (On-site): our view in 3 lines...
- The Role:This role is for someone handling underwriting and portfolio operations for financing projects at a fast-growing fintech company.
- The Person:The person will clear KYC and compliance checks, underwrite B2C and B2B applications, verify invoices and run installer payouts, resolve customer and installer issues, and improve recurring processes with SOPs and automation.
- Requirements:The ideal candidate has 1–3 years in credit, lending or payments operations, can read a credit report or a bank statement, and is fluent in English and confident in Excel or Google Sheets.
About the role
Your role
Every installer that finances a project with Cloover is waiting on us for something: a customer approved, a limit set, an invoice paid, a question answered. Every hour we take is an hour their project sits still. As Portfolio Operations & Underwriting Analyst, you'll run that engine — KYC, B2C and B2B underwriting, installer payouts, and the customer and installer issues that come with a fast-growing loan book — making decisions that move real money from your first week.
You'll report to the Head of Portfolio Management and work within a team of six across Finance Operations and Portfolio Management. You'll work daily with Risk, Product, Accounting and our Sales and Customer Success teams.
Your mission
- Clear KYC and compliance checks for customers and installers the same day, so no financing stalls on missing documents.
- Underwrite B2C financing applications and B2B installer requests — new installer sign-ups, backed by recommendations that hold up at credit committee.
- Get installers paid accurately and on time: verify final invoices against contracts, completion protocols and photos, and run payouts with four-eyes control, so no payment goes out wrong and none waits without a reason.
- Resolve installer and customer issues end to end, with a first response the same day and no case left without an owner.
- Keep our data clean by working the daily alerts, so the backoffice, invoices and payments stay in sync and what our lenders see is right.
- Find the root cause behind recurring issues and fix it for good: write the SOP, work with Product on the fix, and automate what shouldn't be manual.
Your profile
We care more about how you think and what you've built than where you've been. Here's what will set you up for success in this role:
- 1–3 years in credit, lending or payments operations at a bank, fintech or consumer lender
- You read a credit report or a bank statement and pull out what matters for a decision, and you're comfortable saying no and explaining why.
- You work through a high-volume queue without losing accuracy: you tie totals to the cent, document your decisions, and flag exceptions instead of letting them slide.
- You handle a frustrated installer or customer calmly, in writing or on the phone, and close the loop. You're fluent in English and confident in Excel or Google Sheets, and you reach for SQL Â or AI to remove manual work.
- Based in Berlin and energized by being in the room. We're intentionally office-first — decisions get made in real time, prototypes get stress-tested over lunch, and the founding team is ten meters away. If that's how you thrive, you'll feel at home here.
Nice to have (but not required):
- Working German (B2 or above) — many of our installer and customer conversations happen in German.
- Hands-on experience with German credit and payments infrastructure:
Don't meet every requirement? Apply anyway. We hire for potential and perspective — credentials are a starting point, not a ceiling.
How we hire
We keep things transparent and respect your time. Most go from first call to offer in under three weeks.
- Intro call (30 min)  — We want to understand what you're looking for, not just screen your CV.
- Hiring manager interview (30 min) — We go deep: your experience, your thinking, how you approach problems.
- Case study (1 hour) — You get the brief in advance. We care about your approach — not whether you land on the right answer.
- Offer & signed contract.
Need any adjustments at any stage? Just let us know.
Why us?
- Performance pay. Strong base and a bonus tied to outcomes, recognised when it happens rather than locked behind annual cycles.
- AI-first & unthrottled. Unlimited enterprise-grade AI, no caps, no approval process. Every role, every team. The grunt work disappears so you can focus on what actually requires human judgement.
- Real ownership on a real mission. From day one you’re shaping decisions that impact thousands of installers. We’re not just building software. We’re powering the energy transition across Europe.
- Grow faster than anywhere else. You’ll work directly alongside the founding team and world-class investors. If you’re building toward your own venture one day, there’s no better room to be in.
Perks & Benefits
- Latest Apple hardware in our Prenzlauer Berg office
- 25 days vacation
- €500 per year learning & development budget
- WHOOP Peak, covered. After six months with us, we cover your WHOOP Peak membership in full
- Urban Sports Club (M) membership
- Deutschlandticket, fully covered
- Cloover Power Tariff: our own green power tariff, with the monthly base fee on us
- Free catered lunch every day in the office (via Bella&Bona)
- Free dinner every day in the office (via Wolt)
- Fully stocked kitchen with breakfast, snacks, and drinks
- Team events with €50 per person per month
- Company discounts via Corporate Benefits and FutureBens