Risk Analyst

Tabby | تابي; Barcelona; Remote; EUR 52,000 - 76,000; Full time

Job summary

Tabby is seeking a Risk Analyst to shape and execute credit and fraud risk strategies across BNPL products. You will work with large datasets to identify trends, monitor portfolio performance, and support decisions balancing growth and risk. This is a hands-on, cross-functional role collaborating with data, product, and finance teams.

Join a fast-growing fintech with fully remote work in Spain, flexible hours, and the opportunity to influence risk models and policy across multiple markets.

Qualifications

• 2–4 years of experience in credit risk or fraud analytics.
• Strong analytical skills with SQL, Python or similar tools.
• Understanding of consumer lending/fintech risk models.
• Ability to work independently in a fast-growing environment.
• Clear communication and business mindset.

Responsibilities

• Analyze credit and fraud risk performance across customer segments and products.
• Develop and optimize risk strategies to improve approval rates and reduce losses.
• Monitor risk indicators and portfolio trends; present insights to leadership.
• Contribute to design and rollout of new risk models and policies.
• Collaborate with cross-functional teams to support launches in new markets.
• Drive automation and efficiency in risk operations and reporting.

Skills

Credit risk

Fraud analytics

SQL

Python

Job description

About us:

Tabby is on a mission to give people power over their money. For too long, financial systems have worked for the institutions that built them, not the people using them. Runaway interest, fine print and limited access have left many behind, feeling shut out of a system that wasn't setting them up for success.

Department:

Risk B2C

Employment Type:

Full Time

Location:

Remote/Spain

Reporting To:

Aleksey Balabay

Description:

Tabby is on a mission to give people power over their money. For too long, financial systems have worked for the institutions that built them, not the people using them. Runaway interest, fine print and limited access have left many behind, feeling shut out of a system that wasn't setting them up for success. We're building a different kind of system—in a complete money app to send, spend and save. One that's clear, flexible and puts people and businesses in control. Founded in 2019, we serve customers and businesses across Saudi Arabia, the United Arab Emirates and Kuwait. Millions of customers and 65,000 global brands, government services and small businesses rely on us today. What began as a better way to pay at checkout has grown into a financial system working the way it should have all along.

About the role:

As a Risk Analyst at Tabby, you’ll play a key role in shaping and executing credit and fraud risk strategies across our BNPL products. You’ll work with large datasets to identify trends, monitor portfolio performance, and support decision-making that balances growth and risk. This is a hands‑on, cross‑functional role where you’ll collaborate with data, product, finance, and commercial teams to ensure healthy portfolio metrics across multiple markets.

Key Responsibilities:

• Analyze credit and fraud risk performance across customer segments and products
• Develop and optimize risk strategies to improve approval rates and reduce losses
• Monitor key risk indicators and portfolio trends; present insights to leadership
• Contribute to the design and rollout of new risk models and policies
• Collaborate with cross‑functional teams to support launches in new markets and verticals
• Drive automation and efficiency in risk operations and reporting

Skills, Knowledge & Expertise:

• 2–4 years of experience in credit risk, fraud analytics, or a related data‑driven role
• Strong analytical skills and experience with SQL, Python or similar tools
• Understanding of consumer lending, BNPL, or fintech risk models
• Ability to work independently and in a fast‑paced, high‑growth environment
• Clear communication and a business‑oriented mindset

Job Benefits:

• Fully remote work
• We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
• A working environment that gives you autonomy and responsibility from day one.
• You should be comfortable with the idea that the quality of your work will influence the shape of your career.
• Participation in the company’s employee stock options program.
• Flexi Perks: A monetary benefit that gives you the freedom to use it as you choose—whether for health and well‑being, education and professional development or travel needs!