Credit Risk & Portfolio Performance Analyst

Avarda Bank AB (publ); Málaga; On-site; EUR 42,000 - 62,000; Full time

Job summary

Avarda Bank AB (publ) is seeking an analyst to join our team in Málaga. You will analyse performing credit portfolios, evaluate pre-collection activities, and support portfolio sales across markets.

You will work with SQL, develop robust datasets, and present actionable recommendations to business owners and management. The role emphasizes explaining not just what happened, but why and what to do next, requiring strong analytical skills, data quality focus, and English proficiency.

Qualifications

• Strong SQL skills and experience with large datasets.
• Background in finance, economics, statistics or a quantitative field.
• Experience in credit risk, portfolio analytics or data-driven finance.
• Ability to translate analyses into practical recommendations.
• Structured, detail-oriented work style and data quality focus.
• Strong communication with both technical and business stakeholders.
• Professional English proficiency.

Responsibilities

• Analyse performance of performing credit portfolios, including payment behaviour and delinquency.
• Identify risks and opportunities and translate findings into business recommendations.
• Measure and improve pre-collection strategies and treatment approaches.
• Design tests to determine incremental impact of pre-collection initiatives.
• Develop robust SQL analyses, datasets and recurring performance reporting.
• Support portfolio sales and forward-flow transactions with data and analytics.
• Ensure data quality and clear documentation; present findings to stakeholders.
• Collaborate with Credit Risk, Collections, Finance, Commercial & Data teams and country partners.

Skills

SQL

Analytical skills

Communication skills

Data quality

English proficiency

Education

Finance or quantitative degree

Tools

Power BI

Excel

Job description

Avarda Bank AB (publ) is seeking an analyst to join our team in Málaga. You will analyse performing credit portfolios, evaluate pre-collection activities, and support portfolio sales across markets.

You will work with SQL, develop robust datasets, and present actionable recommendations to business owners and management. The role emphasizes explaining not just what happened, but why and what to do next, requiring strong analytical skills, data quality focus, and English proficiency.