Portfolio Performance & Credit Risk Analyst

Avarda Bank AB (publ); Málaga; Presencial; EUR 42.000 - 64.000; Jornada completa

Descripción de la vacante

Avarda Bank AB (publ) is seeking an analyst to join our team in a hands-on role at the intersection of data analysis and business decision-making. You will analyse performing credit portfolios, evaluate pre-collection activities, and support portfolio sales across markets.

You will work with SQL-based analyses and performance monitoring, presenting actionable recommendations to business owners and management.

Formación

• Strong SQL skills and experience working with large and complex datasets.
• Academic background in finance, economics, statistics, mathematics, data science or a similar quantitative field.
• Experience within credit risk, portfolio analytics, consumer finance, collections or another data-driven financial environment.
• Strong analytical and problem-solving skills with commercial judgement.
• Ability to turn complex analyses into clear conclusions and practical recommendations.

Responsabilidades

• Analyse the performance of performing credit portfolios, including payment behaviour and profitability.
• Identify emerging risks and opportunities and translate findings into concrete business recommendations.
• Measure and improve pre-collection strategies, including customer selection and treatment strategies.
• Design and evaluate tests to determine the incremental impact of pre-collection initiatives.
• Develop robust SQL analyses, datasets and recurring performance reporting.
• Support portfolio sales and forward-flow transactions through segmentation, data-tape preparation and cash-flow analyses.
• Ensure strong data quality, consistent definitions and clear documentation.
• Present findings concisely to business stakeholders and management.
• Collaborate with Credit Risk, Collections, Finance, Commercial & Data teams and country partners.

Conocimientos

SQL

Data analysis

Communication

Problem solving

Power BI

Educación

Degree in finance/economics/statistics/data science

Herramientas

Excel

Power BI

Descripción del empleo

Avarda Bank AB (publ) is seeking an analyst to join our team in a hands-on role at the intersection of data analysis and business decision-making. You will analyse performing credit portfolios, evaluate pre-collection activities, and support portfolio sales across markets.

You will work with SQL-based analyses and performance monitoring, presenting actionable recommendations to business owners and management.