Head of Risk (m/f/d) - Berlin

Skip to main contentEnglishEnglishBack to all jobsHead of Risk (m/f/d) - BerlinBerlinFull-timePermanent employeeApply for this jobYour MissionYour ImpactWe are looking for a Head of Risk to lead and stabilize our risk organization during a phase of rapid growth. This role replaces our interim leadership and is critical for building a long-term, scalable risk function that enables sustainable growth. You will lead a growing team, manage a rapidly expanding credit portfolio, and build the processes, systems, and culture required for scale. This is not a maintenance role.This is a build-and-lead role. You will work directly with the founder and leadership team and have full ownership of the risk function.Your MissionLead and develop the Risk team, creating clarity, structure, and strong performance standardsOwn credit underwriting quality and portfolio performance across B2B and B2CBuild scalable risk processes, policies, and decision frameworks to support rapid growthDrive automation, efficiency, and data-driven decision-making in the risk functionBalance growth and risk while ensuring losses remain within defined risk appetiteWork hands-on where needed while shaping the long-term risk strategyYour TalentYour TalentStrong experience in credit risk and underwriting, ideally across both B2B and consumer lendingProven leadership experience, with the ability to build and develop high-performing teamsA hands-on mindset combined with strategic thinkingThe ability to operate effectively in fast-changing, imperfect environmentsA strong ownership mentality and drive to make things happenA data-driven approach to decision-makingWhy This Role is UniqueMassive real-world impact in climate and energyDirect collaboration with the founderOpportunity to build your own risk organizationHigh ownership and autonomyRapid company growthLarge institutional fundingAbility to shape how risk works at scaleOur OfferGrowth & CultureWe move fast, we’re building a lot from scratch, and we’re learning something new every day. You’ll be part of a team that doesn’t just work, it truly builds something, with a strong sense of ownership and genuine team spirit.ImpactYour job has a direct impact on the energy transition. Period.And because this is important to us, we offer extra days off for climate activism.FlexibilityWe work in a hybrid, trust-based environment.Working from home is the norm for us, two days a week are standard and flexible. We structure the rest in whatever way best supports collaboration and focus within the team.And if it works for you and your team, you can also work from other locations, workations are possible here.PerksYou’ll receive a flexible bonus that you can use however you like, sports, culture, travel, whatever works for you.Food & EnergyLong days happen. When the office is running, so is the food: just order something to the office via Wolt.Team & VibeWe take our mission seriously, but we don’t take ourselves too seriously.Offsites, team nights, and our “Bees & Beers” are just as much a part of the job as the work itself.About usAt Bees & Bears, we’re a Climate FinTech on a mission to unlock capital for the energy transition. We believe finance is the key to accelerating the shift toward a sustainable future. The challenge ahead is massive: by 2050, the world needs to invest €150 trillion (!) to reach climate neutrality. 65% of this investment will need to be financed through loans.Our mission is to channel capital into the sustainable economy — to accelerate the transition and make the world greener.What we do:We work closely with installers of climate hardware such as solar systems, energy storage, and heat pumps — enabling their customers to finance installations easily through monthly installments. Our platform provides the technical and financial foundation to make this happen. In doing so, we’re actively accelerating the energy transition — for households, for our partners, and for the planet.We’ve recently secured €500...