Portfolio Operations & Underwriting Analyst (On-site)

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, youll 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.Youll report to the Head of Portfolio Management and work within a team of six across Finance Operations and Portfolio Management. Youll 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 shouldnt be manual.

Your profile

• We care more about how you think and what youve built than where youve been. Heres 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 youre 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. Youre fluent in English and confident in Excel or Google Sheets, and you reach for SQL or AI to remove manual work.
• Based in Berlin and energized by being in the room. Were intentionally office-first — decisions get made in real time, prototypes get stress-tested over lunch, and the founding team is ten meters away. If thats how you thrive, youll 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:
• Dont 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 youre 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, bonus tied to outcomes, and meaningful equity — recognised when it happens, not 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 youre shaping decisions that impact thousands of installers. Were not just building software — were powering the energy transition across Europe.
• Grow faster than anywhere else. Youll work directly alongside the founding team and world-class investors. If youre building toward your own venture one day, theres no better room to be in.
• The basics, done well. Prenzlauer Berg office with the latest Apple hardware. Free breakfast and dinner, stocked kitchen, 25 days vacation, Urban Sports Club (M), fully covered Deutschland-Ticket, and company discounts.