Data Specialist Credit Risk

Valcon; Utrecht; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Annual bonus up to 4 months

€95 monthly expense allowance

Company car / mobility budget

Remote work abroad 10 days per year

Sports membership access

Job summary

Valcon is seeking a Data Specialist in the Netherlands to be the technical authority on data solutions for financial institutions and guide data strategy.

You will design scalable risk and finance data models, lead complex data projects, mentor colleagues, and act as a trusted advisor to clients.

Requirements include a master’s degree, 8+ years in data, with 4+ in credit risk, and strong Python and SQL; fluent Dutch and English.

Qualifications

• Master’s degree completed.
• 8+ years of experience, 4+ years in the credit risk domain.
• Hands-on data-delivery for Credit Risk Modelling and Reporting.
• Strong knowledge of Python and SQL.
• Experience with Basel III/IV, IFRS 9, ECB guidelines.
• Leadership of projects and senior stakeholders.

Responsibilities

• Design scalable data solutions for risk and finance modelling.
• Lead complex data projects and coordinate across teams.
• Guide architectural discussions and ensure data quality.
• Mentor senior specialists and share knowledge across the firm.
• Act as trusted advisor to clients, translating needs into data solutions.

Skills

Python

SQL

Credit risk domain

Data warehousing

Stakeholder management

Data governance

Communication skills

Education

Master's degree

Tools

Data warehousing systems

Data lake concepts

Job description

As a Data Specialist at Valcon, you’ll be the technical authority that both clients and colleagues turn to for guidance. You’ll look beyond individual projects to see the bigger picture: how can we help financial institutions in realising their ambitions by providing in-depth knowledge and support on data-related topics.

Data & AI Strategy: The “European Powerhouse”

In 2025, Valcon sharpened its focus to become a European powerhouse in AI and data-driven business transformation. Unlike traditional firms that treat data as a byproduct, Valcon places it at the center of every client engagement.

What will you do?

In this role, you combine deep technical expertise with a solid understanding of data challenges and solutions in the financial services industry. You are responsible for maintaining highest quality standards for data solutions Valcon develops and you guide clients in their journeys to becoming fully data-driven organisations.

Guiding & Connecting: You’ll design complex, scalable data solutions that enable seamless risk and finance modelling and reporting. By connecting business requirements with technical implementation, you’ll create maximum value for clients while following industry best practices in data warehousing, quality, and governance.

Innovation & Standardization: You’ll stay ahead of market developments in data solutions and methodologies, translating them into new approaches and standards for Valcon. You’ll shape how we build analytics solutions and ensure we maintain our technical leadership in the data space.

Inspiring Mentorship: You’ll mentor senior specialists and specialists, actively contributing to knowledge sharing through expert training and coaching. Your guidance will help colleagues grow professionally and technically in the data domain of financial services organisations.

Trusted Advisor: Clients see you as the expert. You’ll join strategic sessions, guide architectural discussions, help frame data requirements, and identify opportunities where data solutions create business value.

What do we offer you?

We believe top experts need space. Space to innovate, but also space for a private life.

Impact: A key role where you have direct influence on Valcon’s data strategy.

Flexibility & Balance: A culture that respects your work-life balance, including options for a sabbatical or extra leave.

Community: A network of peers to spar with, plus access to sports facilities and social events.

Additionally, we offer:

• Competitive and transparent salary according to our pay structure, an annual bonus of up to 4 months’ salary (depending on seniority level, individual performance, and company results), and a monthly expense allowance of €95.
• A company car or mobility budget.
• A workplace that prioritizes and respects your work-life balance.
• An affordable sports membership that allows you to participate in 50 different sports offered by over 10,000 partners.
• The opportunity to work remotely from abroad for 10 days per year.
• A vibrant community that organizes both professional and social events.

Who are you?

You are a recognized expert in your field who easily switches between technology and business. You enjoy sharing your knowledge, for example by speaking at events or writing publications. You welcome the opportunity to work across a diverse range of clients and environments.

Experience

• You have a completed master’s degree.
• You have at least 8 years of working experience, of which 4+ years in the credit risk domain of a bank or other credit institution.
• You have hands‑on experience in data-delivery Credit Risk Modelling and/or Reporting, e.g. through building and managing data warehousing or data lake solutions.
• You have strong knowledge of Python and SQL.
• Model development cycles in a regulated context are well‑known to you, from requirements gathering to data collection to report or model development. This can be from a data‑delivery point of view.
• You understand the regulatory landscape governing credit risk, including Basel III/IV capital requirements, IFRS 9 provisioning, EBA loan origination guidelines, and ECB supervisory expectations (SREP, TRIM).
• You have experience in leading projects and talking to director/C-level stakeholders.
• You have experience leading complex data projects and know how to manage diverse stakeholders (business, data, technical).
• You have strong communication skills: you can persuasively advise on data architecture, translate business requirements into technical solutions, and provide substantive support.
• You communicate effectively in both Dutch and English. Please note: You already reside in the Netherlands and hold a valid work permit.