Credit Underwriting Analyst

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The Role

Tesla is looking for a candidate who has an unrelenting desire to up-end private and small business automotive finance decision making in Europe and be a part of leading the sector’s future by leveraging third party data pools and our own proprietary systems.Tesla is scaling its customer financing without the constraints of legacy systems, processes, and portfolios, while leveraging its vertically integrated business model.

The candidate should have a foundational knowledge of underwriting (credit decisioning) in the private and small business segments, relevant customer data availability, and the desire to collaborate with others to innovate and use the appropriate data to streamline and simplify decisioning in a systemic, automated, and scalable way.

The role is at the epicenter for scaling and leveraging our underwriting capabilities into new customer segments and new countries in Europe.

The role will make credit decisions, identify improvement opportunities to our utilization of data, collaborate with our developers to operationalize improvements, design decisioning structures for new markets and new segments and operationalize them (together with our developers) into our proprietary platform.

Responsibilities


  • Analyze and decision credit application data including data from Credit Bureaus, bank statements, external fraud databases, etc.

  • From manual decision experience, identify improved uses of data and systems to increase automated decisioning while improving quality of decisions

  • Translate underwriting strategy into data needs and its use, identify and have a deep knowledge of data sources, work with program team and developers to build scalable automated decision flows

  • Decide credit applications in accordance with company guidelines and regulatory requirements

  • Build strong working relationships with all relevant Tesla teams and support any ad hoc tasks/escalations

  • Identify opportunities for internal process optimization and operational efficiency gains

  • And most importantly: be part of the team that develops our Tesla-internal financing company

Required Qualifications


  • Minimum 2 years’ relevant work experience in a consumer/commercial credit environment

  • Demonstrated use of leveraging data into automated systems for desired outcome

  • Bachelor's Degree required

  • Strong collaborative work ethic, ability to multi-task, and maintain composure in a high pressure fast-paced environment

  • Only very limited travel required. From time to time, it may also be expected to be available on standby outside usual business hours

  • Language skills: fluent verbal/written skills in English or German, ideally both

  • Ability to interact effectively with all levels of management

  • Ability to work independently and think creatively with a proven track record of execution

Uren per week: Full-time

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Tesla