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 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.

Benefits

• 20 days working from abroad: Enjoy the flexibility to work from abroad for 20 days a year (excluding high risk countries).
• Wellbeing Budget: Enjoy €60 per month net towards taking care of yourself.
• Lifestyle and Health Support: Reach out for coaching and support whenever you need it via OpenUp.
• 26 holiday days: Time to relax. Plus an extra 2 days off in between 27 and 31 December!
• Commute options: Receive an NS Business Card and participate in our bike lease plan.
• Birthday off: It’s your special day! Why spend it at the office?
• WFH Equipment Budget: One off budget of €400 for our new hires.
• Hybrid working: With WFH & Internet allowance at €60 a month.
• Discounted Lunch: Hot and cold meals plus snacks available each day for less than €4 and only pay when you use the service!
• Health Insurance: Insure with ONVZ or receive €125 net towards your own insurance.
• Annual Mollieverse event: All Mollies get together, connect and have fun.