Senior Credit Risk Analyst

TF Bank AB; Málaga; Presencial; EUR 40.000 - 60.000; Jornada completa

Descripción de la vacante

A leading financial institution in Málaga is seeking an experienced Senior Credit Risk Analyst to enhance credit risk management strategies. The ideal candidate will possess strong analytical skills, experience in credit risk analytics, and proficiency in SQL. Responsibilities include developing scorecards, analyzing data trends, and presenting actionable insights to stakeholders. A Bachelor's degree in a relevant field is required, and fluency in English is essential for collaboration.

Formación

• Minimum of 3 years of experience in retail credit risk analytics.
• Strong attention to detail and creative problem-solving skills.
• Fluent English for international collaboration.

Responsabilidades

• Collect and analyze data to propose changes in credit policy.
• Develop and maintain credit risk scorecards.
• Present findings and recommendations to stakeholders.

Conocimientos

Analytical skills

Problem-solving

Data manipulation with SQL

Collaboration

Presentation skills

Knowledge of Python

Educación

Bachelor's degree in Mathematics, Statistics or related

Master's degree preferred

Herramientas

SQL

Python

Descripción del empleo

We are seeking a seasoned Credit Risk professional with expertise in credit risk analytics and/or Scorecards in Financial services (preferably with direct experience with Credit Cards lending). As Senior Credit Risk Analyst, you will play a crucial role in developing origination and credit management (Credit limit increase and decrease) policies and strategies for approval area in the bank.

Key Responsibilities:

• Collect and analyse data from various sources, including internal systems, Credit Bureaus, to identify trends, patterns, and opportunities and propose changes in credit policy or marketing activities.
• Develop and maintain scorecards for credit risk.
• Develop and maintain credit policies, report on various KPIs and present to key stakeholders and committees.
• Provide actionable insights and recommendations to stakeholders based on data analysis, helping them make informed decisions and drive business growth.
• Collaborate with international teams within decision and analytics.
• Effectively communicate complex analytical findings and insights to both technical and non-technical stakeholders through presentations, reports, and visualizations.

Qualifications & Previous Experience:

• Bachelor's degree in a relevant field such as Mathematics, Statistics, Economics, Quantitative Methods, STEM. A Master's degree is preferred.
• Minimum of 3 years of experience in analytics or a data science in retail credit risk area.
• Excellent analytical and problem-solving skills, with a strong attention to detail. Creative approach to solving problems.
• Proven track record of delivering impactful insights and recommendations based on data analysis.
• Market knowledge from UK, Spain or Italy market will be a plus.
• Excellent knowledge of SQL for data extraction and manipulation.
• Knowledge of programming languages such as Python a plus.
• Experience in predictive modelling using logistic regression will be a plus.
• Fluent English to be able to collaborate with colleagues from other countries.
• Strong collaborative skills, and enjoy being part of an international, multi-location team.
• Strong communication and presentation skills, with the ability to translate complex data into clear and actionable insights.
• Ability to work effectively in a multi-location, fast-paced, dynamic environment, managing multiple priorities and meeting deadlines.