Account Manager

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.

Your core responsibilities include:

• 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!