Flow & Partners is a specialized financial partner helping businesses optimize their working capital. We don't just provide "off-the-shelf" loans; we structure complex financing solutions, primarily through large-scale invoice discounting and factoring, to help our clients scale.

The Role

We are looking for a self-driven Account Manager with a deep understanding of the German B2B financial landscape. This is an end-to-end role where you own the entire lifecycle of a deal. You aren't just a "salesperson", you are a credit-savvy professional who can identify a lead, analyze their risk, and structure a deal that sticks.

End-to-End Deal Flow: Managing the full process from initial prospecting and networking to closing.
Credit Analysis & Structuring: Evaluating financial statements, understanding debt structures, and performing rigorous credit analysis.
Writing Credit Memos: Crafting professional, data-driven credit memos for internal or partner approval.
Strategic Sales: Building long-term relationships with large corporate clients requiring factoring or invoice financing.

We are open to different levels of seniority, but the "floor" is that you must be self-going. You likely come from a background in Large Corp Invoice Financing (Factoring) or a similar banking environment.

Required Qualifications:

You have previously managed the full sales and credit cycle in a B2B financial context.
You have a strong ability to perform credit assessments and write structured credit reports.
You are comfortable with prospecting and "hunting" for new business, but you have the analytical depth to see the deal through to the end.
Deep understanding of the German factoring and debt market.
Fluency in German and English is a requirement.

We trust your expertise. You will have a high degree of freedom to manage your pipeline.
You will be a key player in our German expansion, working with high-volume deals that move the needle.
Join a team that speaks your language: finance, credit, and growth!

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