Risk Analyst BNPL

ID Finance; Gijón; Híbrido; EUR 30.000 - 45.000; Jornada completa

Descripción de la vacante

A financial technology company is seeking a Risk Analyst BNPL to monitor credit risk metrics and conduct portfolio analysis. The candidate should have strong analytical skills, experience in the BNPL segment, and a degree related to statistics or mathematics. This role offers the chance to impact key performance indicators through data-driven insights in a dynamic work environment.

Servicios

Private health and dental insurance

Discounted gym membership

Freedom to work from home two days a week

Free coffee and snacks

Team building activities

Formación

• At least 3 years of experience in credit risk or portfolio analytics.
• Experience with databases and statistical packages.
• Proven experience in implementing proposals that impact Risk KPIs.

Responsabilidades

• Monitor BNPL / credit card portfolio metrics.
• Conduct portfolio analysis and support risk strategy development.
• Collaborate with cross-functional teams and prepare presentations.

Conocimientos

Analytical skills

Experience in credit risk

SQL

Python

Data visualization (Tableau, Looker)

Attention to detail

Organizational skills

Team player

Statistical analysis

Strategic mindset

Educación

Degree in Statistics, Mathematics, or related field

Descripción del empleo

As our new Risk Analyst BNPL, you will organize and interpret statistical information to transform to specific actions. You will also monitor performance and quality control plans to identify improvements.

PRIMARY RESPONSIBILITIES

• Monitor key BNPL / credit cards portfolio metrics : approval rate, application volumes, conversion rates, delinquency, charge-off, cost of risk, etc.
• Conduct regular portfolio analysis : segmentation, vintage / cohort analysis.
• Test and evaluate external data providers or decision tools (e.g., credit bureaus, fraud prevention systems, income verification services), and support their integration into the decision‑making process.
• Support the development and enhancement of risk strategies (acquisition, limit management, collections, cross‑sell).
• Participate in the design and testing of new scoring models and underwriting policies.
• Collaborate closely with Data Science, Collections, Marketing, Product, and IT teams.
• Prepare dashboards and presentations for the management.

KNOWLEDGE & SKILLS

• Strong analytical and mathematical skills and mind – at least 3 years of in credit risk, portfolio analytics, or scorecard development – ideally in the BNPL segment
• Strong Knowledge of and experience with databases and statistics (SQL, Python) – at least 3 years of experience.
• Data visualization packages (Tableau, Looker, etc.).
• Proactive approach – you have proven experience in implementing your own proposals to impact visibly Risk KPIs.
• High attention to detail.
• Good organisational / time management skills.
• Team player.
• Analytical mindset, strong attention to detail and ability to get insights out of data.
• Solid understanding of the credit lifecycle (application → usage → repayment → default).
• Knowledge of statistics and experience using statistical packages for analyzing datasets (Python, SPSS, SAS etc.).
• Methodological way of working and ability to cope with competing demands and prioritize tasks accordingly.

PREFERRED QUALIFICATIONS & EXPERIENCE

• Degree in Statistics or Mathematics or a related subject involving math’s, such as economics or data science.
• Fluent English - spoken and written.
• At least 3 year of experience as Data Analyst / Credit Analyst within Risk Department.
• Ability to work independently and manage multiple priorities.
• Analytical and strategic mindset.

BENEFITS

💪 Private health and dental insurance

👟 Discounted gym membership

💻 Freedom to work from home two days a week

🍎 Kitchen with free coffee and fruit each Monday, Wednesday and Friday and snacks

🌍 Team building activities and work in an international and passionate environment

Don’t miss the opportunity to be part of a company that values innovation and talent!

Join us and take your career to the next level 🚀