Senior Credit Risk Analyst

Subbyx; Brescia; In loco; EUR 50.000 - 70.000; Tempo pieno

Descrizione del lavoro

A dynamic financial services company in Lombardy is seeking a Credit Manager with 3–5 years of experience in credit management and risk analysis. The ideal candidate will assess credit risk, validate potential clients' financial solidity, and manage B2B credit recovery. The role offers competitive salary, stock options, and an opportunity for rapid career growth.

Servizi

Competitive salary

Welfare

Stock options

Performance bonuses

Fast growth opportunities

Flexibility and transparency

Competenze

• 3–5 years in Credit Management, Risk Analysis, or B2B Credit Recovery.
• Background in Banking, Finance, or Insurance.
• Strong skills in financial statement analysis and credit databases.
• Confident with Excel, credit platforms, and data interpretation.
• Passionate about your job.

Mansioni

• Run credit checks on client companies.
• Analyze and validate economic and financial solidity of potential clients.
• Support the definition of credit limits and contractual conditions.
• Manage processes for operational leasing, financing, and insurance.
• Monitor risk exposure and update reporting.
• Manage B2B credit recovery activities.

Conoscenze

Credit Management

Risk Analysis

B2B Credit Recovery

Financial Statement Analysis

Data Interpretation

Excel

Fluent in English

Fluent in Italian

Descrizione del lavoro

Your mission

At Subbyx, every deal matters. Your role is to make sure they’re safe. You’ll assess credit risk, check partners, and catch potential problems before they happen. Every contract you approve will be backed by real data, not assumptions, keeping our network reliable and our business trusted.

Sub to freedom

Freedom of choosing what you need, for how long you need it, without any sort of commitment. Freedom to change your mind and your behavior, whenever you want. Freedom of trying something new, without needing to worry if you don’t like it.

Freedom from debts and commitment. If you can’t carry on, cancel. Whenever. Freedom from purchasing and producing waste. Give it back when you don’t need it anymore, we’ll give it a new life.

Our mission is ambitious: to create and consolidate an alternative consumption model based on a simple monthly fee to achieve circularity and financial sustainability.

Easy to say, harder to do. That’s why we need you!

A few examples of your daily tasks

• Run credit checks on client companies (reliability, financial statements, rating, payment history).
• Analyze and validate the economic and financial solidity of potential clients prior to the signing of contracts submitted by Business Developers.
• Support the definition of credit limits and contractual conditions, negotiating deviations from standard terms.
• Manage processes for operational leasing, financing, and related insurance.
• Monitor risk exposure and update internal reporting.
• Manage and coordinate B2B credit recovery activities, in collaboration with the legal and administrative departments.
• Ensure compliance with internal control processes and corporate compliance policies

Is this you?

• 3–5 years in Credit Management, Risk Analysis, or B2B Credit Recovery.
• Background in Banking, Finance, or Insurance.
• Strong skills in financial statement analysis and credit databases.
• Confident with Excel, credit platforms, and data interpretation.
• English and Italian: fluent in both worlds.
• Passionate about your job
• Willing to learn and go the extra mile if needed
• Ready to make mistakes and improve by doing them
• Team-work and goal-oriented approach
• Ability to work independently with high problem solving skills
• Down to earth and open to take a step back if needed
• Motivated to build an empire

What we offer

• An incredibly talented team
• Extreme learning curve
• Fast growth opportunities
• Motivation, inspiration and challenges
• Flexibility and total transparency
• Competitive salary
• Welfare
• Stock options and performance bonuses