Emerging Credit Risk Analyst — Hybrid, Madrid

Metgroup; Madrid; Hybrid; EUR 35,000 - 50,000; Full time

Benefits offered by this job

Hybrid working model

25 working days of annual leave

Meal vouchers

Health insurance options

Job summary

MET Energía España, Madrid, is seeking a Junior Credit Risk Analyst to join the Finance team. You will assess the creditworthiness of customers, monitor credit exposures, and support credit risk management across the business, collaborating with local and international MET Group teams.

The role reports to the Credit Risk Manager and involves developing risk insights, supporting credit approvals, and contributing to continuous process improvements in credit risk management.

Qualifications

• University degree in Finance, Accounting, Economics, Business Administration or a related field.
• 2-3 years of experience in financial analysis, auditing, accounting, credit risk or related area.
• Strong knowledge of financial statements and key financial ratios.
• Advanced Microsoft Excel skills.
• Excellent communication and teamwork abilities.
• Minimum English B2.

Responsibilities

• Assess the creditworthiness of new and existing customers across retail, wholesale and trading segments, supporting credit decisions for new contracts, renewals and commercial transactions.
• Analyse financial statements, key financial ratios and external credit information to evaluate customers' financial standing, identify potential risks and provide recommendations on credit limits and exceptions to credit policies.
• Monitor customer credit exposure, overdue balances and key risk indicators, identifying potential risks and supporting appropriate mitigation measures.
• Support the management of customer guarantees and credit insurance coverage, including the review of documentation, monitoring of limits and follow-up on renewals and expiry dates.
• Collaborate with Sales, Finance and other local departments, as well as international MET Group teams, on credit-related matters, including customer assessments, guarantee requirements and the preparation of proposals for internal credit committees and approval processes.
• Support Know Your Customer (KYC) and compliance processes, ensuring accurate and up-to-date customer information and supporting documentation.
• Prepare weekly credit risk reports for MET Group and internal stakeholders, ensuring the accuracy and consistency of risk data and reporting.
• Participate in the development and improvement of credit risk management processes, including reporting automation, digitalisation and other continuous improvement initiatives.

Skills

Credit risk analysis

Financial analysis

Excel

English (B2)

KYC/compliance

Team collaboration

Education

University degree in Finance, Accounting, Economics, Business Administration or a related field

Tools

SQL

Power BI

ERP systems

Job description

MET Energía España, Madrid, is seeking a Junior Credit Risk Analyst to join the Finance team. You will assess the creditworthiness of customers, monitor credit exposures, and support credit risk management across the business, collaborating with local and international MET Group teams.

The role reports to the Credit Risk Manager and involves developing risk insights, supporting credit approvals, and contributing to continuous process improvements in credit risk management.