Design, develop, test and calibrate automated credit risk strategies and continuously improve them based on empirical tests.
Implement monitoring processes.
Design and build early warning systems.
Analyze portfolio performance, identify risk drivers and mitigation strategies based on empirical data or feature engineering.
Build dashboard for insights. Measure and monitor process efficiency, identify bottlenecks and blockers in workflows and resolve them together with the team.
Continuously review and enhance operational processes to reduce handling times while keeping quality within agreed parameters.
Build E2E data pipelines using SQL, Python and decision engines.
Partner with Risk Management, Data and Engineering teams to build E2E data processes together. Manage cross-functional projects.
Facilitate smooth and fact-based information flow between your colleagues. Support data-driven decision making within the credit risk domain. Support the development of a culture of open dialogue, which is focused on mutual respect and the joint achievement of excellent results.

Degree in a quantitative or engineering discipline or related field
3–5 years of experience in risk modelling, quantitative analytics, financial engineering or similar domain
Good understanding of credit risk strategies for unsecured SME exposures; familiarity with open banking data and transaction-level insights is a plus.
Strong data analysis and engineering capabilities, SQL and Python is essential.
Command of statistical modeling software is a plus.
Experience in working with APIs, decision engines, as well as data aggregation and orchestration services is a strong plus.
Experienced in agile development, and ability to own and drive cross-functional projects.
Determination and desire to work in a team to achieve high-quality results for our customers, even under stress.
Fluent in English; additional European languages are a plus.

The opportunity to work in a growing team with big responsibilities that thrives on a strong exchange of knowledge and excellence
Attractive remuneration
Flat hierarchy and transparent communication in a relaxed, professional atmosphere
Opportunity to develop your talent in a dynamic team with ambitious goals
Flexibility and possibility to work remotely
Pliant Card with monthly credit to explore the product and enjoy food with colleagues

Credit Risk Analyst – SME

Key skills