We are seeking a talented Senior Credit Risk Analyst to join our growing credit risk analytics team. This role is specifically designed for professionals with minimum of 3 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector.
Please note: This position is for a Senior Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.
About the Role
As a Senior Credit Risk Analyst, you will contribute to the development and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with a first experience in unsecured lending to get wider exposure and larger remit (affordability and underwriting scorecards and credit strategy, pricing and credit risk management) whilst working with cutting-edge statistical models and data-driven insights.
You will have the opportunity to work in an pan-European team and get exposure to credit risk analytics across our international markets including Baltic countries, Germany, Austria and other European markets.
Key Responsibilities
- Data Analysis & Insights: Collect, analyse, and interpret data from multiple sources including internal systems and Credit Bureaus to identify trends, patterns, and opportunities that inform credit policy, credit limit and pricing strategies
- Model Development: Contribute to developing and maintaining statistical models, including scorecards and other credit risk assessment tools
- Stakeholder Collaboration: Provide clear, actionable insights and recommendations to stakeholders across the business, supporting informed decision‑making and business growth
- Cross-functional Teamwork: Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations
- Communication & Reporting:
Present complex analytical findings to both technical and non-technical audiences through clear presentations, reports, and data visualisations
Essential Requirements
- Education & Experience:
- Bachelor's degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline. A Master's degree is preferred.
- Minimum of 3 years of experience in analytics, data science, data analysis, or lending/credit assessment within the financial services sector.
- Previous experience working for an unsecured lender (bank, fintech, or similar credit provider).
- Technical Skills:
- Strong analytical and problem‑solving abilities with excellent attention to detail
- Proficiency in SQL for data extraction, manipulation, and analysis
- Understanding of statistical analysis techniques and data modelling methodologies
- Experience or strong interest in predictive modelling (logistic regression knowledge would be advantageous)
- Professional Skills:
- Excellent written and verbal communication skills in English
- Ability to translate complex data into clear, actionable business insights
- Strong presentation skills with experience communicating to diverse audiences
- Proven ability to work effectively in fast‑paced environments whilst managing multiple priorities
- Desirable Requirements:
- Programming experience in Python or R
- Experience with data visualisation tools
- Understanding of machine learning techniques applied to credit risk
What We Offer
- Opportunity to work with advanced analytics and statistical modelling techniques
- Professional development and training opportunities
- Collaborative, inclusive working environment
- Career progression opportunities within our growing analytics function
- Private health insurance focused on employee wellbeing
- Meal vouchers and versátil compensation plan
- Office perks such as snacks and regular company events
Application Requirements
Please note: We are unable to provide visa sponsorship for this role. Candidates must have the right to work in the EU without requiring sponsorship.
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📌 Senior Credit Risk Analyst (Málaga)
🏢 Talent
📍 Málaga