Ensure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality.

Key responsibilities:
- Provide feedback to improve and refine credit policy and underwriting guidelines.
- Support daily debtor management activities, including contacting overdue customers by phone and other channels.
- Monitor repayment behavior and escalate problematic cases when needed.
- Collaborate closely with the customer service team to ensure smooth loan processing and customer support.
- Report to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance.

Qualification & Experience:
- Background in financial services, banking, or credit risk management.
- Fluent German language skills (mandatory) - both written and spoken (C1-B2 level). Strong command of English for internal communication.
- Knowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage.
- University degree in finance, economics, business administration, or equivalent (preferred but not mandatory)

📌 Credit Specialist (Málaga)
🏢 Avarda Group
📍 Málaga