Expert (m/f/d) Credit Assessment Small Fleet

Are you looking for a new challenge? Would you like to take on responsibility and develop yourself further? Then join us and shape the change!

KINTO Germany GmbH, as a new company of the Toyota Group, brings together innovative and modern mobility solutions. As a mobility company, KINTO offers various mobility services and products, ranging from commercial leasing to flexible car subscriptions. In Germany, KINTO started with the products KINTO One and KINTO Flex. KINTO One stands for customized solutions in the segment of full-service commercial leasing of vehicles, and KINTO Flex is a flexible car subscription with short terms. In addition, KINTO offers a smart commuter solution for sustainable mobility.

KINTO as a brand can be found not only in Germany, but also in other European countries including England, France, Italy, Spain and Portugal.

Your Tasks:


  • Operational responsibility for incoming leasing applications and checking the creditworthiness of our commercial customers
  • Reviewing the financing documents with subsequent approval and release of the leasing applications within the granted authority
  • Recognizing credit risks on the basis of evaluations of BWAs, balance sheets and specific scoring procedures
  • Clarification of issues with customers and sales partners regarding the processing and decision status of credit/leasing applications
  • Decision and preparation of conditions (including guarantees and sureties)
  • Requesting, evaluating and analyzing financial documents for credit checks
  • Checking for suspected cases of compliance and money laundering
  • Active collaboration and operational support for the Customer Service team (billing, document and contract review)
  • Participation in the further development of the risk management system
  • Active communication with the dealer network and customer base

Your profile:


  • Commercial training, preferably in the financial services sector, with a high affinity for figures or professional experience in the commercial lending business
  • Knowledge of HGB, BGB, GWG is an advantage, as is knowledge of rating procedures and legal principles for financial institutions (Bafin)
  • Initial knowledge of the documentation requirements of financial institutions
  • Experience in evaluating and analyzing annual financial statements and financial ratios
  • Affinity for numbers, mathematical understanding and a high degree of decision-making competence in terms of creditworthiness
  • Structured way of working, flexibility and analytical understanding
  • Very good communication skills and ability to express yourself both verbally and in writing
  • Fluency in German and English

What we offer:

Wir bieten Ihnen:

We offer you a start-up mentality paired with work in a subsidiary of a global corporation - immerse yourself in the Toyota Way and the exciting corporate philosophy behind it. Characterized by high ethical and human values and a respectful working atmosphere with close communication and constructive feedback, you will work via short decision-making paths with a great deal of creative freedom. Internal and external workshops and trainings are offered for your individual development. The Europe-wide cooperation within a global group offers versatile tasks in a dynamic environment.

Flexible working hours are a matter of course for us. In addition to an attractive salary, you will also receive a company pension. We also offer a vehicle loan program and you can choose from two canteens for your lunch, which we subsidize.