Credit Risk Analyst

Ebury; Madrid; Hybrid; EUR 42,000 - 65,000; Full time

Benefits offered by this job

Competitive starting salary

Dedicated mentorship

Cutting-edge technology

Clear, accelerated career progression

Dynamic & supportive culture

Generous benefits package

Central office

Job summary

Ebury is seeking a Credit Risk professional for the Madrid office. The role involves detailed credit analysis of SME clients, supporting the Credit Risk Manager, and presenting to the Credit Committee.

You will work with cross-functional teams to assess risk and enable trade finance and currency products, contributing to scalable risk modelling. The ideal candidate has SME underwriting experience, strong financial analysis skills, and a concise communication style.

Qualifications

• Background in SME credit underwriting is preferred.
• Strong financial statement analysis skills.
• Clear, structured communication of complex concepts.

Responsibilities

• Support, and report to, the Credit Risk Manager.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for trade finance and currency products, focusing on financials, operations, and trading cycles.
• Present and defend your analysis at credit committee meetings to senior management.
• Engage with front office and operations to ensure a smooth client experience and clear communication of decisions.
• Manage an existing portfolio of clients, monitoring credit standing and risk-reward for Ebury.
• Proactively manage your own pipeline of work.
• Liaising with managers across other geographies to add insight or assist where necessary.
• Share your thoughts to improve our processes.

Skills

Credit risk analysis

SME credit underwriting

Financial analysis

Communication skills

Excel

Tools

Excel

Job description

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.

If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.

Madrid Office - Hybrid: 4 days in the office, 1 day working from home

Ebury is a Global FinTech: we apply new technologies to enhance and automate financial services and processes. This allows small and medium-sized businesses to trade and transact internationally by eliminating boundaries related to more traditional.

Are you ready to be an Eburian?

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to useour services. This includes an assessment of their markets, financials, products, activities and cashheadroom modelling.
You will be expected to prepare submissions and present to our CreditCommittee making recommendations, as well as contribute to the development of automated riskmodelling and to adapt our processes to local markets.

What you will do:

• Support, and report to, the Credit Risk Manager.
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk.
• Perform detailed credit analysis of prospects and clients for the purpose of granting tradefinance and currency trading products, with a focus on financials, operations, and tradingcycles.
• Present and defend your analysis personally at credit committee meetings to seniormanagement.
• Engage closely with other teams, such as front office and operations, to ensure a smoothclient experience and that decisions made within the Credit Risk team are relayed clearly.
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward forEbury.
• Proactively manage your own pipeline of work.
• Liaising with managers across our other geographies to add insight or assist wherenecessary.
• Share your thoughts to improve our processes.

It would be a plus to have:

• A background in SME credit underwriting, experience in financial analysis, or a demonstrableunderstanding of how to assess an entity's creditworthiness.
• A clear, structured, and concise communication style with the ability to explain complexconcepts in a coherent way.
• A solid understanding of accountancy principles.
• An understanding of FX markets and associated vanilla products.
• An ability to work in Excel in a professional setting.

Why Ebury?

• Competitive Starting Salarywith anannual discretionary bonusthat truly rewards your performance from day one.
• Dedicated Mentorship:Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology:Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression:Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture:Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package:Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Office: A fantastic location with excellent transport links.

#LI-JG1

About us

Ebury delivers sophisticated, integrated solutions — business accounts, hedging, and financing — on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally.

Since its founding in 2009, Ebury has always been a fast-growing leader in fintech. Today, we bring together 2000+ Eburians across nearly 70 cities and we’re always looking to add to our team.

At the heart of our offering is a proprietary platform, purpose-built to help businesses seamlessly streamline and manage global cash flow. We focus on continuous product evolution and innovation to build the infrastructure for borderless growth and help our clients scale at every stage.

The opportunities at Ebury are as diverse as our people, ranging from business development to engineering roles across our tech pillars.

We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.

Important Security Notice for Job Applicants

Ebury only accepts applications via official Ebury channels.We will only contact you from an@ ebury.com domain. Always check the emails you receive from us, and note that we willneverrequest payment for any part of the recruitment process. Stay safe and report suspicious activity.

Notice to Recruitment Agencies and Search Firms

Ebury does not accept unsolicited resumes, CVs, or candidate profiles from recruitment agencies or search firms without signed written Ebury recruitment terms in place for a specific role. Any unsolicited applications will be considered the sole property of Ebury. Ebury will not be responsible or liable for any placement fees or costs associated with unagreed candidate submissions or subsequent hires.

AI Transparency Statement

Ebury uses Artificial Intelligence (AI) and automated tools to help streamline certain parts of our recruitment process, however, these tools are strictly for administrative efficiency. All hiring decisions, including application reviews, shortlisting, and final selections are evaluated and conducted by human talent acquisition professionals and hiring managers.