Senior Credit Risk Analyst

Deel; Portugal; Híbrido; EUR 94 000 - 129 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Stock grant opportunities

Additional perks and benefits

Flexible office membership (IWG)

Resumo da oferta

Deel is hiring a Senior Credit Risk Analyst to own the full credit risk lifecycle across 150+ countries, from underwriting to portfolio monitoring and collections. You will build models, dashboards, and AI-enabled workflows to scale risk management while enabling growth for customers and partners worldwide.

You will partner with Sales, Customer Success, and Finance to deliver responsible growth, drive data-driven decisions, and communicate complex financial concepts clearly to non-financial

Qualificações

• 2-3 years in credit risk, underwriting, analytics in fintech or lending.
• Proficiency with SQL, Python, Excel, Tableau or similar; large datasets.
• Analytical mindset; able to move quickly between strategy and execution.
• Self-driven, thrives in ambiguity and takes ownership.
• Excellent written and verbal communication; explains financial concepts clearly.
• Strong organization in a fast-moving environment.
• Experience building AI workflows or AI-enabled risk tooling.
• Experience in startup or high-growth settings a plus.

Responsabilidades

• Lead credit assessments and underwriting decisions on new customers and portfolio risk.
• Build and maintain monitoring models and dashboards that surface portfolio trends and early warnings.
• Partner with Sales, Customer Success, and Finance to balance growth with prudent risk management.
• Develop automation and tooling—including data pipelines, scoring models, and AI-powered workflows.
• Analyze large datasets to identify patterns, risks, and opportunities; communicate findings clearly to stakeholders.

Conhecimentos

Credit underwriting

SQL

Python

Excel

Data analysis

Communication

AI workflows

Process automation

Startup experience

Ferramentas

Tableau

Descrição da oferta de emprego

Who We Are Is What We Do.

Deel is the all-in-one payroll and HR platform for global teams. Our vision is to unlock global opportunity for every person, team, and business. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 150+ countries—helping businesses scale smarter, faster, and more compliantly.

Who We Are Is What We Do.

Deel is the all-in-one payroll and HR platform for global teams. Our vision is to unlock global opportunity for every person, team, and business. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 150+ countries—helping businesses scale smarter, faster, and more compliantly.
Among the largest globally distributed companies in the world, our team of 7,000 spans more than 100 countries, speaks 74 languages, and brings a connected and dynamic culture that drives continuous learning and innovation for our customers.

Why should you be part of our success story?

As the fastest-growing Software as a Service (SaaS) company in history, Deel is transforming how global talent connects with world-class companies – breaking down borders that have traditionally limited both hiring and career opportunities. We're not just building software; we're creating the infrastructure for the future of work, enabling a more diverse and inclusive global economy. In 2024 alone, we paid $11.2 billion to workers in nearly 100 currencies and provided healthcare and benefits to workers in 109 countries—ensuring people get paid and protected, no matter where they are.

Our momentum is reflected in our achievements and customer satisfaction: CNBC Disruptor 50, Forbes Cloud 100, Deloitte Fast 500, and repeated recognition on Y Combinator's top companies list – all while maintaining a 4.83 average rating from 15,000 reviews across G2, Trustpilot, Captera, Apple and Google.

Your experience at Deel will be a career accelerator. At the forefront of the global work revolution, you'll tackle complex challenges that impact millions of people's working lives. With our momentum—backed by a $17.3 billion valuation and $1 B in Annual Recurring Revenue (ARR) in just over five years—you'll drive meaningful impact while building expertise that makes you a sought-after leader in the transformation of global work.

Summary

You'll work at the intersection of Deel's growth and responsibility. As a Senior Credit Risk Analyst, you'll own the full credit risk lifecycle—from acquisition and underwriting through portfolio monitoring and collections—helping us scale globally while building sustainable, trust-based relationships with our customers. You'll combine sharp analytical thinking with hands‑on problem‑solving, working across a platform that spans 150+ countries and hundreds of thousands of workers. This is a role where your decisions directly impact both our business and the reliability of our customers' global operations.

Responsibilities

• Lead credit assessments and underwriting decisions on new customers and portfolio risk, translating financial analysis and market signals into clear acquisition recommendations
• Build and maintain monitoring models and dashboards that surface portfolio trends, detect early warnings, and inform proactive risk management across customer segments
• Partner with Sales, Customer Success, and Finance to balance sustainable growth with prudent risk management, providing clear rationale for approval, exceptions, and escalations
• Develop automation and tooling—including data pipelines, scoring models, and AI-powered workflows—that make the team's work faster and smarter
• Analyze large datasets to identify patterns, risks, and opportunities; communicate findings clearly to cross‑functional stakeholders and senior leadership

Qualifications

• 2-3 years in credit risk, credit underwriting, credit analytics, or similar roles at a financial services, fintech, or lending organization
• Proficiency with data analysis tools (SQL, Python, Excel, Tableau, or similar); ability to manipulate large datasets and build working models
• Analytical mindset with the ability to move quickly between strategic thinking and tactical execution
• Proactive self‑starter who thrives in ambiguity and takes ownership without needing direction
• Excellent written and verbal communication skills; ability to explain complex financial concepts clearly to non‑financial audiences
• Exceptional organizational skills and attention to detail in a fast‑moving environment
• Hands‑on experience building with AI tools or implementing AI workflows; curiosity about how to apply AI to credit and risk problems
• Track record of building or automating processes that scaled with the business
• Experience working in or supporting a startup or high‑growth environment is a plus

Total Rewards

Our workforce deserves fair and competitive pay that meets them where they are. With scalable benefits, rewards, and perks, our total rewards programs reflect our commitment to inclusivity and access for all.

• Our salary range reflects gross base salary. For commercial roles with commission eligibility, this figure represents On-Target Earnings (OTE), inclusive of base salary and target commission.
• Salary ranges are quoted in USD as a consistent global reference. Your offer will be localized to your country's currency using a market‑aligned conversion.
• Final pay is based on objective, job‑related criteria including experience, skills, and location.
• We don't ask about salary history. Offers are based on the role and what you bring to it.

Some things you'll enjoy

• Stock grant opportunities dependent on your role, employment status and location
• Additional perks and benefits based on your employment status and country
• Optional flexible working office membership, with IWG

At Deel, we're an equal‑opportunity employer that values diversity and positively encourage applications from suitably qualified and eligible candidates regardless of race, religion, sex, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, pregnancy or maternity or other applicable legally protected characteristics.

Unless otherwise agreed, we will communicate with job applicants using Deel‑specific emails, which include @deel.com and other acquired company emails like @payspace.com and @paygroup.com. You can view the most up‑to‑date job listings at Deel by visiting our careers page.

Deel welcomes persons with disabilities to apply to any of our open roles. We will provide application and/or interview accommodations on request throughout the recruitment, selection and assessment process for applicants with disabilities or other needs. If you require application and/or interview accommodations, please inform our Talent Acquisition Team via email ([e-mail]) and a team member will be in touch to ensure your equal participation.

As part of our hiring process, we primarily rely on interviews and role‑related assessments. In limited cases, we may also consider informal background information relevant to the role, in line with our privacy and fairness obligations.

This application process may utilise Automated Employment Decision Tools (AEDT) and AI systems to assist in evaluating candidates based on experience level, technical skills and qualifications. This processing is conducted in compliance with applicable Data Protection, AI Governance and Labour Laws. We ensure human oversight is maintained in all final hiring decisions. Your personal data is not used to train AI models. For more information on how we process your personal data, please see our Recruitment Privacy Policy.

• For NYC Residents: In accordance with NYC Local Law 144, an independent bias audit has been conducted on AEDT