Marketing jobs in Spain

About Us

Established in 2022, Astra Tech has rapidly expanded its influence by strategically acquiring and developing key platforms such as PayBy, Rizek, Quantix, and Botim. These acquisitions have culminated in the creation of the world’s first Ultra App, Botim, which seamlessly integrates fintech, e-commerce, AI-powered tech solutions, and communication services into one intuitive and user-friendly experience. This powerful combination allows users to manage their finances, shop, and stay connected—all within a single, cohesive platform.

With over 150 million users across 155 countries, Astra Tech is more than just a tech company—it is a movement committed to enhancing lives through innovation. As a visionary leader in tech development and investment, our mission is clear: to revolutionize technology solutions for consumers and businesses, harnessing the power of AI to elevate digital experiences to unprecedented heights globally.

Role Summary

We are seeking a highly analytical and strategic Business Analyst to support the growth and optimization of our lending products. This role requires a strong foundation in data analysis, a deep understanding of credit products and risk management principles, and the ability to partner cross-functionally to drive data-informed decisions. You will play a key role in identifying opportunities to balance portfolio growth with prudent risk practices and enhancing the user journey to unlock business value.

Key Requirements

• Analyze financial and customer data to provide actionable insights on portfolio performance, risk trends, and product opportunities.
• Collaborate with product managers and risk managers to evaluate lending product performance and identify initiatives that improve the balance of growth and risk.
• Design and interpret metrics/KPIs that guide strategic decisions across the lending portfolio.
• Conduct segmentation and cohort analyses to identify user behaviors, risk profiles, and growth opportunities.
• Map and analyze end-to-end customer journeys to identify friction points and propose enhancements to increase conversion, retention, and cross-sell.
• Support pricing, policy, and eligibility simulations through data modeling to evaluate impact on portfolio yield and credit risk.
• Develop dashboards and reports that communicate performance, trends, and opportunities to senior stakeholders.
• Stay current on market trends, competitive benchmarks, and regulatory updates impacting credit products.
• Contribute to business case development for new initiatives, product changes, and growth experiments.

Key Requirements

• Bachelor’s or Master’s degree in Business, Finance, Economics, Engineering, Data Science, or a related field.
• 3–7 years of experience in business analysis, strategy, or product analytics, preferably in a fintech, lending, or financial institution setting.
• Strong proficiency in SQL, Excel, and BI tools (e.g., Tableau, Power BI). Experience with Python or R is a plus.
• Demonstrated understanding of credit product economics, risk-return trade-offs, and credit portfolio management.
• Experience working with large data sets, with the ability to translate complex analysis into clear business recommendations.
• Familiarity with risk assessment, credit scoring, and regulatory frameworks in lending is advantageous.
• Excellent communication and collaboration skills; able to work effectively with product, risk, data, and marketing teams.
• Comfortable operating in a fast-paced, ambiguous environment with a problem-solving mindset.