Junior Credit Policy and Modeling Analyst

Jobtailor; Deutschland; Remote; EUR 70.000 - 100.000; Vollzeit

Zusammenfassung

Jobtailor in Germany is seeking a quantitative analyst to join our credit risk team. You will collaborate on creating and updating credit policies, develop models to assess default risk using Python or R, and support profitability analyses of credit decisions.

You will monitor policy performance, conduct portfolio analyses, and present insights to senior management. The role requires a Bachelor's in a quantitative field, experience with large datasets, and knowledge of credit regulations.

Qualifikationen

• Bachelor's degree in a quantitative field
• Experience with credit analysis and credit policies
• Ability to work with large datasets
• Knowledge of Python or R
• Experience with credit analysis tools, statistical models, and credit management platforms
• Familiarity with credit regulations and compliance
• Strong verbal and written communication skills
• Previous experience in financial institutions is a plus

Aufgaben

• Collaborate on creation, analysis, review, and updating of credit policies, considering market best practices and regulations
• Develop statistical and mathematical models to calculate default risk using credit scoring, machine learning, and statistics
• Support development of models to quantify profitability of credit decisions
• Participate in credit-granting decisions, including recommendations on limits and terms
• Monitor policy implementation from operational and performance perspectives
• Conduct periodic portfolio analyses to identify trends, risks, and opportunities
• Collaborate with credit desk, collections, finance, and systems teams to ensure policy consistency
• Prepare analytical reports and presentations for senior management and internal stakeholders

Kenntnisse

Credit Analysis

Statistical Modeling

Python

R

Data Analysis

Ausbildung

Bachelor's degree in Statistics, Economics, Engineering, Mathematics, Physics, or related field

Tools

Credit Management Platforms

Statistical Models

Jobbeschreibung

• Collaborate on the creation, analysis, review, and updating of credit policies, taking into account market best practices and applicable regulations
• Develop statistical and mathematical models to calculate default risk using credit scoring, Machine Learning, and statistical analysis techniques
• Support the development of models to quantify the profitability of credit decisions
• Participate in credit-granting decisions, including recommendations regarding credit limits and payment terms
• Monitor implemented policies from operational and performance perspectives, analyzing indicators for new vintages
• Conduct periodic portfolio analyses to identify trends, risks, and opportunities for improvement
• Collaborate with credit desk, collections, finance, and systems teams to ensure consistency across policies and processes
• Prepare analytical reports and presentations for senior management and internal stakeholders

Requirements

• Bachelor's degree in Statistics, Economics, Engineering, Mathematics, Physics, or a related field
• Experience with credit analysis and credit policies
• Ability to work with large datasets
• Knowledge of Python or R
• Previous knowledge of credit analysis tools, statistical models, and credit management platforms
• Familiarity with credit regulations and compliance
• Strong verbal and written communication skills
• Previous experience in financial institutions is a plus

Core Competencies

Demonstrates expertise in credit analysis, statistical modeling, and compliance with credit regulations, while effectively collaborating with cross-functional teams to enhance credit policies and decision-making processes.

Highest-signal resume keywords

• Credit Analysis
• Statistical Modeling
• Python
• R
• Credit Regulations

Hard Skills

• Statistical Analysis
• Credit Scoring
• Default Risk Calculation
• Data Analysis
• Mathematical Modeling

Soft Skills

• Verbal Communication
• Written Communication

Industry Keywords

• Credit Policies
• Financial Institutions
• Compliance
• Portfolio Analysis

Tools & Technologies

• Credit Management Platforms
• Statistical Models