Subject Matter Expert - Real Estate Valuation and Mortgage Financing (f/m/d) - Full-time -

Your new job

You aren't just looking for a job; you're looking for a stage for your entrepreneurial mindset and your drive to get things moving—and you want to be part of an ambitious team aiming to achieve great things together? Then we should talk.

At credium, we are building Europe's leading platform for building data—AI-first, with a clear goal: Homeownership should be exciting, not overwhelming – and we are looking for the person who brings the domain into the product.

As our Subject Matter Expert, you are the bridge between the world of property valuation, property acquisition and mortgage financing on one side, and our product, data and engineering teams on the other. You know how valuations, lending decisions and financing processes really work – and you are ready to question why the industry has been doing them the same way for 20 years.

Why this role matters

You will be active in product development from day one: you help define what our products need to do to be truly relevant for the mortgage financing market, you validate valuation and financing logic, and you challenge our models with real domain expertise. On the data side, you drive data acquisition and annotation – identifying which data matters, how it must be interpreted, and labelling and reviewing it so our models learn the right things. You own data quality assurance from a domain perspective: plausibility, consistency, and regulatory soundness.

We follow the rules – but we break the conventions. This role is perfect for someone who is professionally rock-solid, curious about emerging technologies, and would rather build the system of tomorrow than process files in the system of yesterday.

What you'll do

• You act as the domain sparring partner for our engineering, data and product teams on everything around property acquisition, valuation and mortgage financing
• You contribute to product development: shaping features, user flows and valuation/financing logic so they are correct, intuitive and relevant for the market
• You drive data acquisition: identifying, sourcing and prioritising the data that makes our products better
• You perform and steer data annotation – defining labelling guidelines and ensuring domain-correct interpretation of property, valuation and financing data
• You own domain-side data quality assurance: plausibility checks, parameter reviews, consistency and QA of new releases
• You translate industry rules and regulatory requirements into digital workflows and model logic – breaking the rules of convention, not the law
• You actively explore how new technologies, especially AI/LLMs, can transform valuation and financing processes

What we’re looking for

Don’t worry if you don’t fulfill all criteria. Everyone’s got a focus.

• Solid professional background in residential real estate valuation (Immobilienbewertung), property acquisition and/or mortgage financing (e.g. bank valuation departments, credit analysis, mortgage financing, valuation service providers)
• Sound knowledge of standard valuation approaches (Vergleichswert, Ertragswert, Sachwert) and the regulatory frameworks behind them (e.g. ImmoWertV, BelWertV) and/or bank-side financing and lending processes
• Genuine digital affinity: comfortable working with modern tools, platforms and automated processes
• Conceptual thinking: you understand how domain logic is translated into data models and products (no coding skills required)
• Ability to critically assess data: market prices, comparables, parameters, plausibility
• Willingness to challenge existing industry conventions and think outside current constraints
• Curiosity and openness for new technologies, especially AI – you want to work with it, not against it
• Strong communication skills in an interdisciplinary environment (Tech, Product, Data); German and English
• (Bonus) HypZert F or M certification (or certification exam within reach), or a comparable qualification (e.g. DIN 17024 based)
• (Bonus) Experience with system-supported valuation processes (Sprengnetter, on-geo LORA, vdp tools, AVMs)
• (Bonus) Experience working in a startup or product-driven environment

How we work

We're not building a lifestyle business. We're building a company that matters.

We're an AI-first team, using machine learning and intelligent systems across our workflows - from building data extraction to product recommendations.

We believe in high trust, high standards, and high impact.
We support flexibility, but we don't optimize for 9-to-5. Instead, we look for individuals who take ownership, thrive on challenge, and want to grow with us.

What we offer

• Competitive salary + Virtual Stock Options (VSOPs)
• Autonomy & responsibility from day one
• Remote-friendly & flexible work environment
• Your own gear + access to modern tools
• Extras like Wellpass
• Real-world impact - accelerate how Europe finances and transforms its residential building stock

Hiring process

1. Brief async intro / short call
2. Team interview (skills & mindset)
3. Case or challenge
4. Founder chat & offer

We move fast - and give clear feedback.

Ready to help transform buildings into better places to live, own, and finance? Let's talk.

About us

At credium, we’re on a mission to make owning the new renting - by building the digital infrastructure that powers simple and sustainable homeownership.

We enable mortgage banks, property owners, and real estate professionals to understand buildings better and faster - from floor plans to energy efficiency, from renovation potential to solar readiness.

We're a VC-funded startup with major banks as customers and a purpose that matters.