Senior Risk Underwriter: Credit & Fraud Analytics

Novicap; Barcelona; Híbrido; EUR 65.000 - 95.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid work model

Flexible benefits with Coverflex

Medical insurance via Sanitas

English/Spanish classes

Gym membership with Urban Sports Club

Company events

Office library

Free fruit, coffee and tea

Descripción de la vacante

Novicap, an end-to-end working capital solutions provider, seeks a Senior Risk Analyst in Barcelona to own credit underwriting and monitoring, reduce credit and fraud risk, and support growth across Spain. You will manage risk reports, perform end-to-end analyses, and collaborate with Operations and Commercial teams.

The role requires 5+ years in credit underwriting, strong financial analysis, and knowledge of Working Capital products. Hybrid work, plus extensive team collaboration, await you.

Formación

• Bachelor's degree in Economics, Business, or Finance.
• Minimum 5 years of credit underwriting experience in banking or finance in Spain.
• Strong financial analysis and accounting knowledge.
• Understanding of Working Capital products (Factoring, Confirming).

Responsabilidades

• Lead end-to-end risk analysis for new and existing clients using the Novicap Platform.
• Conduct fraud checks and viability filters before financial analysis.
• Value third-party credit assignments using the collateral methodology.
• Approve transactions or escalate complex cases with reports to managers.
• Monitor daily alerts via the Early Warning System and resolve blocks with Operations.
• Ensure Risk Reports are current for all debtors and suppliers.
• Collaborate weekly or monthly with Collections, Operations and Commercial teams.

Conocimientos

Financial analysis

Autonomous decisions

Cross-functional collaboration

Risk assessment

Explain rejections clearly

Early Warning System knowledge

Communication skills

Educación

Bachelor's degree in Economics, Business, or Finance

Herramientas

Novicap Platform

Dashboards

Credit underwriting tools

Descripción del empleo

Novicap, an end-to-end working capital solutions provider, seeks a Senior Risk Analyst in Barcelona to own credit underwriting and monitoring, reduce credit and fraud risk, and support growth across Spain. You will manage risk reports, perform end-to-end analyses, and collaborate with Operations and Commercial teams.

The role requires 5+ years in credit underwriting, strong financial analysis, and knowledge of Working Capital products. Hybrid work, plus extensive team collaboration, await you.