Senior Credit Risk Models Analyst

buscojobs España; Alicante; A distancia; EUR 50.000 - 70.000; Jornada completa

Descripción de la vacante

A leading online bank in Spain is seeking a Senior Credit Risk Models Analyst to join their Retail Credit Risk Team. This role involves developing and maintaining credit risk models and ensuring sustainable growth in retail lending. The ideal candidate will have a strong background in economics, business, or statistics, along with excellent analytical skills and programming knowledge. The position offers a flexible work environment with remote options and various employee benefits.

Servicios

Health and life insurance

Flexible remuneration options

Company shuttle services

Employee well-being programs

International remote work opportunities

Formación

• Experience with retail lending portfolios and regulatory credit risk models.
• Strong analytical and problem-solving skills.

Responsabilidades

• Contribute to the development and maintenance of IRB & IFRS9 models.
• Identify and mitigate risks in retail lending portfolios.
• Ensure sustainable growth of the Retail Lending portfolios.

Conocimientos

Analytical Skills

Problem Solving

Programming

Statistics

Mathematics

Fluency in English

Fluency in Spanish

Educación

Bachelor’s degree in Economics

Bachelor’s degree in Business

Bachelor’s degree in Statistics

Bachelor’s degree in Maths

Bachelor’s degree in Econometrics

Herramientas

SAS

SQL

Descripción del empleo

At ING, we are looking for a talented and enthusiastic Senior Credit Risk Models Analyst to join our Retail Credit Risk Team within the ING Risk Domain.

Your role and work environment:

The team is responsible for overseeing the risk in the Spanish Retail Lending portfolio throughout the entire credit lifecycle. Our work environment is 100% flexible, organized in small, subject-expert areas, with continuous interaction with international teams.

Your key responsibilities:

1. Contribute to the development and maintenance of IRB & IFRS9 models.
2. Identify and mitigate risks through appropriate levels of capital and provisions.
3. Ensure sustainable growth of the Retail Lending portfolios.

What are we looking for?

If you are wondering whether this role is for you, here are some qualities we value highly:

• Bachelor’s degree or equivalent in Economics, Business, Statistics, Maths, or Econometrics.
• Experience with retail lending portfolios, developing, monitoring, or validating regulatory credit risk models in banking or consultancy.
• Excellent knowledge of statistics and/or mathematics, and programming skills in SAS and/or SQL.
• Strong analytical and problem-solving skills, with knowledge of the banking and financial industry, especially retail lending.
• Independent, creative, and proactive mindset, focused on delivering pragmatic solutions.
• Fluent in English and Spanish.
• Eager to lead projects.

What do we offer?

We prioritize your personal and professional fulfillment, offering a flexible and supportive environment. Here’s what you can expect:

• Flexibility and accountability in your work schedule, including remote work options.
• A welcoming office environment with amenities like electric mobility solutions, healthcare, gym, and more.
• Health and life insurance for you and your family.
• Flexible remuneration options, including access to various services.
• Company shuttle services with multiple routes.
• Beneficial loan and mortgage conditions after certain periods.
• Participation in our pension plan after one month.
• Employee well-being programs, physiotherapy, clinics, Gympass, and employee networks.
• International remote work opportunities.

Get to know us

We are a diverse team of over 1700 people committed to helping clients create a better future. As a fully online bank based in Spain, we operate in more than 40 countries, embracing innovation, transparency, and sustainability. Our culture promotes diversity, inclusion, and belonging, aligning with our sustainability goals to empower our clients and employees alike.

If you see yourself in our values and way of working, we look forward to meeting you!