Senior Credit Risk Analyst

Ebury; Paris; Hybrid; EUR 70,000 - 100,000; Full time

Benefits offered by this job

Competitive starting salary

Annual discretionary bonus

Dedicated mentorship

Central Paris Office

Job summary

Ebury Paris Office - Hybrid: 4 days in the office, 1 day working from home per week. We are seeking a Senior Credit Risk Analyst to take ownership of our French portfolio, based in Paris, as the dedicated credit risk point of contact for France.

You will analyze SME financials, prepare submissions to Credit Committee, develop risk models, and collaborate with front office and operations. Fluent French and English required, 4+ years in credit underwriting, and strong Excel skills are essential.

Qualifications

• Native in French and fluent in English (essential).
• Analytical mind and problem-solving skills.
• Experience gaining credit underwriting in financial institutions, SME/Corporate space (min 4 years).
• Clear, structured communication style with ability to explain complex concepts.
• Experience dealing directly with clients and resolving issues.
• Strong understanding of accounting principles.
• Understanding of FX markets and vanilla products.
• Proficient in Excel in a professional setting.

Responsibilities

• Support the Regional Head of Credit Risk and report on demand.
• Perform detailed credit analysis of prospects and clients for trade finance and currency trading products.
• Present and defend analysis at credit committee meetings with senior management.
• Collaborate with front office and operations to ensure a smooth client experience.
• Monitor an existing portfolio of clients and manage your own pipeline to meet SLAs.
• Liaise with analysts and managers across geographies to share insights.

Skills

French & English fluency

Credit underwriting

Analytical mindset

Client interaction

Excel proficiency

FX markets knowledge

Tools

Excel

Job description

Credit Risk

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.

If you're a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.

Ebury Paris Office - Hybrid: 4 days in the office, 1 day working from home per week

We are looking for a Senior Credit Risk Analyst to take ownership of our French portfolio. Based in our Paris office, you will be the dedicated Credit Risk point of contact for France, with autonomy over your portfolio and the backing of a global Credit Risk team. We also offer the chance to get involved in other markets where Ebury is present, so the role brings international exposure in one of the fastest growing FinTech companies.

The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.

Ultimately you will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.

The ideal candidate will complement Ebury's analytical and statistical capabilities with their own country-specific hands-on knowledge of defaults, credit underwriting, and collections.

The key is to add qualitative insight to credit decisions including granting lines, monitoring them, and pursuing collections.

Your Specific Responsibilities

• Support, and report to, the Regional Head of Credit Risk;
• Undertake ad hoc requests from Credit Risk Management Team;
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
• Present and defend your analysis personally at credit committee meetings to senior management;
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;
• Monitor an existing portfolio of clients;
• Proactively manage your own pipeline of work, along with taking responsibility to ensure the wider team’s SLAs are met;
• Liaising with analysts and managers across other geographies to add insight or assist where necessary;
• Share your thoughts to improve our processes.

Your Background

• Native in French and fluent in English (essential) - another European language / languages will be an advantage
• Analytical mind and strong problem-solving skills;
• A background in credit underwriting gained in the financial institution, preferably in the SME / Corporate space (min 4 years);
• A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
• Experience of dealing directly with clients, one on one, and resolving issues;
• A strong understanding of accountancy principles;
• An understanding of FX markets and associated vanilla products;
• An ability to work in Excel in a professional setting;
• Willing to work from office (min. 4 days a week) in a highly demanding, result-oriented, and truly global team environment;

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced managers who are invested in your success.
• Cutting-Edge Technology: Leverage state-of-the-art tailor made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritized.
• Generous Benefits Package: Access competitive benefits tailored to your location, which typically include health care and social benefits.
• Central Paris Office: A fantastic location with excellent transport links.

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About us

Ebury delivers sophisticated, integrated solutions - business accounts, hedging, and financing - on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally.

Since its founding in 2009, Ebury has always been a fast-growing leader in fintech. Today, we bring together 2000+ Eburians across nearly 70 cities and we're always looking to add to our team.

At the heart of our offering is a proprietary platform, purpose-built to help businesses seamlessly streamline and manage global cash flow. We focus on continuous product evolution and innovation to build the infrastructure for borderless growth and help our clients scale at every stage.

The opportunities at Ebury are as diverse as our people, ranging from business development to engineering roles across our tech pillars.

We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.

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