Credit Specialist for Outsourcing Services

Atruvia AG

Kreditspezialist focused on digitalizing client services for banks, enhancing processes and collaboration with partners. Requires strong experience in banking and business processes.

Posted 7/21/2026full-timeKarlsruhe • 🇩🇪 GermanyJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in retail banking processes, consumer lending, and mortgage financing, with a strong focus on process modeling and optimization. Proficient in regulatory frameworks and capable of effective collaboration with diverse teams and stakeholders.

Highest-signal resume keywords

Retail Banking ExperienceProcess Modeling and OptimizationBusiness-Fluent German (C1)Analytical AbilitiesCertifications in Six Sigma or Lean Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Consumer LendingMortgage FinancingProcess ModelingProcess OptimizationBusiness Administration Degree

Soft Skills

Presentation SkillsFacilitation SkillsCollaborative TeamworkAnalytical Thinking

Tools & Technologies

BPMNLean ManagementSix Sigma

Industry Keywords

Retail BankingFinancial SectorRegulatory FrameworksStandard Process ModelClient Acquisition

About the role

Key responsibilities & impact

With digitalization as a focus, you actively drive the further development of our services in the retail banking (private customer) area for our partner banks.
You handle, on behalf of our partner banks, all relevant tasks related to consumer lending and mortgage financing.
You further develop our highly successful standard process model in retail banking and align it with the new operating model.
You take market requirements and technological developments into account and proactively and cooperatively network with colleagues from business areas and other specialist departments.
You work as part of projects and client acquisition activities in close cooperation with senior management of the banks and with internal and external strategic partners from the cooperative financial group.
You are comfortable with travel of approximately 70 days per year.

Requirements

What you’ll need

You hold a degree in business administration and have several years of relevant professional experience (2 to 6 years) in the retail banking area, or an equivalent qualification in the banking sector.
You have a deep understanding of business processes in the financial sector as well as regulatory frameworks, and ideally hold certifications in relevant methods and tools (e.g., Six Sigma, Lean Management, BPMN).
You have business-fluent German (minimum C1) and good English skills (B2 level).
You demonstrate strong analytical abilities and sound knowledge in process modeling and optimization.
Your presentation and facilitation skills, as well as your constructive collaboration in interdisciplinary teams with colleagues and clients, distinguish you.

Benefits

Comp & perks

Flexible work: We operate in a balanced hybrid mix of remote work and presence in modern office environments (Activity Based Working).
Work–life balance: With our individual working time models such as part-time, the option to choose full-time between 30–40 hours, and our lifetime working-time account (sabbatical and/or leave before retirement), you will find the right balance.
Reconciling private life and career: We offer a family budget and support in special family situations, such as caring for relatives.
Individual benefits: In addition to a company pension scheme (subsidised BAV), you can choose between bike leasing, IT hardware leasing, capital-forming payments (vermögenswirksame Leistungen) and/or an additional day off, among other options.
Onboarding: A guided and individual induction with an assigned mentor (buddy) and regular feedback discussions with your People Lead support your integration. We also welcome you at our welcome event #enter.
Health management – Health, Family and Life: Through our offerings and partnerships (e.g., Familiengenossenschaft and voiio) we support you. Enjoy a varied selection in our company restaurants and connect through our sports offerings.
Career model and training: In our development dialogues you discuss your professional, methodological and personal career goals and pursue them through our diverse training programs.
Our corporate values: Respectful, open and honest, taking responsibility, supportive and results-oriented — guided by team spirit, customer focus, and a drive for innovation and active knowledge sharing.
Future and job security: As a cooperative company with decades of experience, we are pioneers of digital transformation in banking and a systemically relevant employer.
Kununu: We are a Top Company 2026 and proud of a Kununu score of 4.3 with a recommendation rate ≥ 90%.